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State Library 



OF 



MASSACHUSETTS. 



B. 



Return as Soon as Used. 



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t. I, 



Public Document No. 9 



FIFTY-FIFTH ANNUAL EEPOET 



OF THE 

Insurance Commissioner 



OF 



®f)e ^ommcnroealtt) of JttaeBacfixisette- 

January 1, 1910. 



PART I. 

FIRE AND MARINE INSURANCE. 






* -. IV 



'• » • 3 * J o * a • * u Vgs/flf 




BOSTON: 

WRIGHT & POTTER PRINTING CO., STATE PRINTERS, 

18 Post Office Square. 

im 



STATE HOUSE, BOSTON. 



JUN 28 1910 

STATE LIBRARY OF MASSACHUSETTS, 



Approved by 
The State Board of Publication. 



. - . . . 

t 



* # 
■ • 



• W . « , " • 



3b* na 

IB 



TABLE OF CONTENTS. 



[For Index to Companies, see end of volume.] 



COMMISSIONER'S REPORT. 

PAGE 

Introductory, v 

Companies admitted, v 

Companies ceasing to transact Business, vi 

Department Examinations, vi 

Gains and Losses in 1909, vii 

Expenses of Fire Insurance Companies, ix 

Liability of Members of Mutual Fire Insurance Companies, . . . xiv 

Department Finances, xviii 

Reports of Receivers of Insurance Companies, xix 

Table 1. — Income, disbursements, premiums, losses, assets, liabilities and sur- 
plus to policy holders, Dec. 31, 1909, ...... xxii 

Table 2. — Income during 1909, xxx 

Table 3. — Disbursements during 1909, xxxix 

Table 4. — Assets, Dec. 31, 1909, xlvii 

Table 5. — Liabilities, Dec. 31, 1909 lvi 

Table 6. — Massachusetts business during 1909, lxiv 

Table 7. — Showing sources of gain or loss in surplus during 1909, . . . lxxiv 

Table 8. — Receipts and expenditures of the insurance department, . . . ciii 

DETAILED STATEMENTS. 

Massachusetts mutual fire companies, . 2 

Massachusetts mutual fire-marine companies, 93 

Massachusetts joint-stock fire and fire-marine companies, . 96 

Fire, marine and fire-marine insurance companies of other States, . . . 109 

United States branches of foreign companies, 492 

Appendix, 585 

Report of the Massachusetts District Police, fire inspection department, . . 587 



©he tfommonroealth. of JttaaBochiiBctts. 



Insurance Department, Boston, May 6, 1910. 

To the General Court of Massachusetts. 

The Insurance Commissioner herewith submits Part I. of the 
fifty-fifth annual report of the insurance department, as required by 
section 17 of chapter 576, Acts of 1907. This volume contains ab- 
stracts from the statements of fire and marine insurance com- 
panies, the comments of the commissioner upon matters relating to 
these classes of insurance, various tables made up for the convenience 
of those who desire to readily compare the merits of the various 
companies, and the report of the bureau which has charge of investi- 
gating fires and making a report thereon. 

The following companies of the classes covered by this volume 
were admitted during 1909 or in 1910 prior to the date of this 
report : — 



Corporate Name. 


Location. 


Date of 
Author- 
ity. 


Capital. 


International Insurance Company, 

The Potomac Insurance Company of the District of Co- 
lumbia. 
The American Druggists' Fire Insurance Company, 

The Globe and Rutgers Fire Insurance Company, . 

The Atlanta Home Insurance Company, .... 

Fidelity-Phenix Fire Insurance Company of New York,. 

Central National Fire Insurance Company, 

The Standard Fire Insurance Company 

Merchants Fire Assurance Corporation of New York, 
Teutonia Fire Insurance Company of Allegheny, Pa., 


New York City, 
Washington, D. C, . 
Cincinnati, 0., . 
New York City, 
Atlanta, Ga., 

New York City, 
Washington, D. C, . 
Chicago, 111., 
Hartford, Conn., 
New York City, 
Pittsburgh, Pa., 


1909. 

June 10 

July 1 

July 24 
Sept. 24 
Dec. 29 

1910. 

Mar. 1 

Mar. 3 
Mar. 31 
Apr. 11 
Apr. 12 
May 6 


$200,000 
200,000 
200,000 
400,000 
200,000 

2,500,000 
200,000 
200,000 
500,000 
200,000 
200,000 



The following companies of the classes included in this volume 
ceased to transact business in this Commonwealth during 1909 and 
in 1910 prior to the date of this report: — 



VI 



REPORT OF THE 



Name of Company. 


Location. 


Date. 


Capital. 


Remarks. 






1909. 






Bristol County, 


New Bedford, 


Oct. 27 


— 


Reinsured in Springfield Fire 
and Marine. 


Union Fire, 


Buffalo, N. Y., . 


Oct. 1 
1910. 


$200,000 


Reinsured in Western Assur- 
ance and withdrew Decem- 
ber 31. 


Salisbury and Amesbury, 


Marlborough, 


Feb. 1 


- 


Reinsured in Attleborough Mu- 
tual January 19. 


Phenix 


Brooklyn, N. Y., . 


Mar. 1 


1,500,0001 










Merged under name of Fidel- 


Fidelity 


New York City, . 


Mar. 1 


1,000,000 J 


ity-Phenix. 



Department Examinations. 

The accounts of receivers of the following companies were ex- 
amined during the year 1909 : — 



Name of Company. 


Location. 


Name of Company. 


Location. 


Atlas Mutual, .... 
American Legion of Honor, 
Boston Casualty, 

Firemen's Fire, .... 


Boston. 

Boston. 

Boston. 

Westfield. 

Boston. 


Mutual One Year Benefit Order, 
Northern Mutual Relief, 

Winchester Mutual Benefit Association, 


Boston. 
Boston. 
Boston. 
Boston. 
Winchester. 



The following fire companies were examined by this department 
during the year 1909 : — 



Name of Company. 


Location. 


Year 
of Previous 
Examina- 
tion. 


Boston Manufacturers' Mutual, 

Cotton and Woolen Manufacturers' Mutual, 
Fitchburg Mutual, 

Merrimack Mutual, 

West Newbury Mutual, 


Charlestown, .... 
West Newbury, .... 


1906 
1906 
1906 
1906 
1906 
1906 
1906 
1906 
1906 
1906 
1906 



INSURANCE COMMISSIONER. 



Vll 



Besides the above, the following companies of other classes were 
examined during the year : — 



Name of Company. 


Location. 


Year 
of Previous 
Examina- 
tion. 


American Credit-Indemnity, 

Employers' Liability (U. S. Branch) 

Masonic Protective, 

Massachusetts Bonding, 

Ridgely Protective, 

Peoples Savings Bank (Ins. Dept.), .... 

Whitman Savings Bank (Ins. Dept.), 

General Insurance Guaranty Fund, .... 


Boston, 

Boston, 

Worcester, . 

St. Louis, Mo., 

Boston, 

Boston, 

Boston, 

Boston, 

Boston, 

Boston, 

Worcester, . 

Boston, 

Boston, 

Boston, 

Boston, 

Philadelphia, Pa 

Worcester, . 

Boston, 

Boston, 

Brockton, . 

Whitman, 

Boston, 








1907 
1906 
1906 

1906 

1908 

1907 
1906 
1906 



* Verification of annual statement for Dec. 31, 1908. 



Gains and Losses in 1909. 
An innovation in this report is the publication of a table showing 
sources of the gain or loss in surplus by the various companies during 
the year 1909. It show^s that the gains have had the better of it, and 
consequently that the year, considered by itself, was a very good one, 
and helps the companies in making up for the San Francisco and 
Chelsea conflagrations, not to mention others. It appears from this 
table that 217 companies made a net gain during the year in their 
underwriting account of $38,787,993 and in their investment ac- 



Vlll 



REPORT OF THE 



count of $28,664,451, making a total of $67,452,444. 
story is told by the following table : — 



The full 





Loss. 


Gain. 


Total. 




No. 

Co's. 


Amount. 


No. 
Co's. 


Amount. 


No. 
Co's. 


Net Gain. 


Underwriting Account. 














Massachusetts Mutuals, excluding Manufacturers', 


2 


$6,527 


28 


$937,041 


30 


$930,514 


Other States Mutuals, excluding Manufacturers', 


- 


- 


8 


1,688,687 


8 


1,688,687 


Massachusetts Manufacturers' Mutuals, 


- 


- 


8 


6,079,360 


8 


6,079,360 


Other States Manufacturers' Mutuals, 


- 


- 


16 


8,517,729 


16 


8,517,729 


Massachusetts stock companies, .... 


1 


17,586 


4 


544,144 


5 


526,558 


Other States stock companies, .... 


34 


1,650,658 


79 


13,385,690 


113 


11,735,032 


United States branches, 


2 


124,027 


35 


9,434,140 


37 


9,310,113 


Totals, 


39 


$1,798,798 


178 


$40,586,791 


217 


$38,787,993 


Investment Account. 














Massachusetts Mutuals, excluding Manufacturers', 


- 


- 


30 


$449,614 


30 


$449,614 


Other States Mutuals, excluding Manufacturers', 


- 


- 


8 


1,072,827 


8 


1,072,827 


Massachusetts Manufacturers' Mutuals, 


- 


- 


8 


277,164 


8 


277,164 


Other States Manufacturers' Mutuals, 


- 


- 


16 


820,540 


16 


820,540 


Massachusetts stock companies, .... 


- 


- 


5 


1,187,069 


5 


1,187,069 


Other States stock companies, .... 


1 


$12,144 


112 


21,057,645 


113 


21,045,501 


United States branches, 


- 


- 


37 


3,811,736 


37 


3,811,736 


Totals, 


1 


$12,144 


216 


$28,676,595 


217 


$28,664,451 



This exhibit is made up on the basis of the actual experience of 
the calendar year. It charges a company with only those premiums 
pertaining to or belonging to the business of that year, also the 
income from investments and other sources during the year, and 
offsets these charges with all the losses and expenses paid and unpaid 
which belong to the year. In other words, the business of the year 
is treated as though it were separate and apart from the business 
of the preceding or succeeding year, leaving for the succeeding year 
or years a due proportion of the premiums to carry to maturity 
the policies outstanding at the end of the year. 



insurance commissioner. ix 

Expenses of Fire Insurance Companies. 
In the text of his report of last year the Insurance Commissioner 
suggested that it might be necessary to limit by statute the expenses 
of fire insurance companies. The reason for the suggestion was the 
well-known fact in insurance circles that a larger proportion of the 
premiums are being used for commissions to agents by some com- 
panies than seems fair or necessary. That 40 cents out of $1 of a 
premium should go to an agent for his commission in placing a 
policy seems a rather large amount when compared with the 60 
cents which goes to the company for paying losses and all the other 
expenses to which the company is subject, such as maintenance of 
office, salaries, clerk hire, taxes, fees, costs of adjustment of losses, 
and the life. To be sure, not all premiums are subject to so large 
a commission as 40 per cent. In fact, at present it is true of only 
a small proportion. But the tendency is in that direction for a 
certain class of risks known as " preferred," meaning by that term 
a class on which the loss ratio, or the percentage of loss to premiums, 
is small, consequently on these risks there is a good profit. This is 
the class of business all companies desire to procure, and in order 
to obtain it not a few of them will offer the agent who controls such 
risks a higher commission than he is at present receiving. As a 
result, commissions have advanced on this class of business to 40 
per cent, in some cases at the present time, with a tendency still up- 
wards. 

Another Potent Factor in raising Commissions. 

There is also another influence at work for increasing commissions 
and that is the effort of new companies and companies of indifferent 
financial standing to obtain business. For example, a company with 
a capital of only $200,000 and a small surplus seeks for agents in 
the various communities. Agents of standing who command the best 
patronage of a place have a long list of old companies with high 
financial standing and naturally would give all their business to such 
companies, — at any rate the cream of it, — and usually they do not 
care to take on new companies except to make them the dumping 
ground for such poor risks as their old and conservative companies 
object to taking. To get into such agencies and obtain any part of 
the good business they control, it is necessary for weak and fledgling 



X REPORT OF THE 

companies to offer a larger remuneration to the agents than they are 
getting from old and tried companies, and thus competition forces 
the commissions up and is continually doing it. It is true that not 
all agents will take on new companies, even though these seductive 
offers are made to them. But on the other hand there are those who 
will listen to the ready-dollar argument; and in addition use the 
offered increase in commissions as a lever to pry up the commissions 
paid by their other companies. 

The Outcome not Unnatural, 

Now, this is all a very natural outgrowth of the method of carrying 
on the business on a commission basis. The companies want the 
business and their demand works up the commission instead of lower- 
ing the premiums. Were the business done direct with the customer, 
the natural way for the companies to get it in competition would be 
by reducing the premiums, and thus the competition would inure 
to the assured's benefit. But as the business is done through agents, 
who have come to control it, the competition for it must be in a form 
attractive to the agent. The assured is eliminated from considera- 
tion and influences are brought to bear upon the agent. From time 
to time he is offered higher prices for what he has to sell or controls, 
and thus gets the benefit of the present system. An estimate from 
the data at hand makes the increase in commissions as a whole dur- 
ing the last ten years close to 3 per cent., the present average being 
about 21% per cent., which gives the agents about seven and a half 
millions a year more than they would have received on the basis of 
ten years ago. 

And here it should be observed that this commission is a yearly 
charge if the business is renewed yearly, and is a charge on the 
premiums of the whole term if the policy runs say for a period of 
five years. Unlike the commission for writing a life insurance 
policy, the great bulk or the whole of which is paid when the risk 
is covered, the fire insurance commission is a continued burden on 
the policy of anywhere from 15 to upwards of 40 per cent. If the 
latter commission is paid, one whole premium in every two and 
one-half years goes to the agent. 



INSURANCE COMMISSIONER. XI 

^Yhat the Insurance Commissioners are doing. 
In view of this increasing cost of carrying on the fire insurance 
business, the insurance commissioners of the country have undertaken 
to make an investigation, through a committee of the association of 
insurance commissioners of the United States. This committee was 
appointed at the last convention of insurance commissioners, which 
was held in August at Colorado Springs, and consists of the following 
commissioners : — 

James V. Barry, Michigan. 

Eugene J. McGivney, Louisiana. 

Charles C. Lemert, Ohio. 

Thomas H. Macdonald, Connecticut. 

James R. Young, North Carolina. 

Already several hearings have been given to the fire insurance 
interests, and the facts, as hitherto set forth, have been generally 
admitted. But thus far fire insurance men generally seem to be at 
sea as to the possibility of a remedy, although admitting the un- 
satisfactory conditions, which the companies are not apparently 
able or do not see their way clear to control. 

It is strongly argued, and seems plausible, that any legislation 
which fixes the expense which may be incurred on account of the 
fire insurance business will have the effect to give a monopoly of it 
to a few great companies, for, to accomplish any change in rates 
which would benefit the public, the cut in expenses must be such as 
to render it certain that the small and weak company would get little 
business, as it could not afford a larger inducement to the agents 
than what the larger companies are willing to pay. The larger com- 
panies would consequently get the best of the business, and would 
otherwise conduct their business at a less proportionate expense, as 
the ratio of fixed charges need be much less for a large company than 
for a small one. 

The problem appears, therefore, to be one of great perplexity, and 
the commissioners as a whole have an important task set before them, 
both in the matter of making investigations to discover the real facts 
in the case, and in coming to a conclusion as to whether legislation 
will be of any advantage to the public, and if so, what that legislation 
ouffht to be. 



Xil REPORT OF THE 

Legislation should be Uniform in Essentials. 

But it is manifest that whatever is agreed upon and whatever 
legislation results should be uniform in essentials in all the States. 
A law in one State limiting expenses to 45 per cent., and in others 
to different percentages varying all the way down to 30 per cent., 
would make it exceedingly embarrassing for the companies, and 
might in fact be only a degree more tolerable than a situation in 
which every State would fix the rate of premium for all classes of 
hazards through its Insurance Commissioner or some State board, 
which would try to make those rates for its own State as low as 
possible, thus before very long having for each class of risks as many 
different rates as there are State-rating boards, all based on local and 
thus narrow and unsound considerations. 

This suggests the pertinent question as to how long States without 
State-rating boards are going to permit companies which they have au- 
thorized to do business within their borders to continue to have 
such authority, if those companies remain in States which have 
State-rating boards, which, to please the insurers in those States, are 
constantly forcing down premiums to a level below that on the same 
class of risks in other States, and below a fair and legitimate rate. 
Although this may not be done with any thought of relieving one 
State at the expense of another, still that result would be the natural 
and almost inevitable outcome of a system by virtue of which each 
State has its own rate-maker, not yet brought into such relations with 
other similar officials as to consider broadly the interests of the 
country as a whole and not merely his own little portion of it. 

This view of it must make it evident that uniformity in State 
laws relating to such vital matters as this is not only of concern to 
the insurance companies which do business in all the States, but is 
of supreme importance to the public. It is therefore worth the 
while to consider whether a much closer relation than now exists 
between the States in respect to insurance interests cannot be effected 
by the several States granting to their respective Insurance Commis- 
sioners, by statute, authority to act in certain matters upon an agree- 
ment having been reached, upon the questions involved, by the Insur- 
ance Commissioners of the country. Uniformity can come in these 
matters only as the result of conference and agreement. 



INSURANCE COMMISSIONER. Xlll 

New Legislation relating to Fire Insurance Companies. 

In order to strengthen the statute which has been in force some 
years, making it larceny, in certain cases, for an insurance agent or 
broker to withhold or use any money or substitute for money re- 
ceived by him as such agent or broker contrary to the instructions 
and without the consent of the company, chapter 426, which goes 
into effect Jan. 1, 1911, has been enacted by the Legislature of 1910, 
the essential part of which is as follows : — 

An insurance agent or broker who acts in negotiating or renewing or 
continuing a contract of insurance by an insurance company lawfully doing 
business in this commonwealth, and who receives any money or substitute 
for money as a premium for such a contract from the insured, shall be 
deemed to hold such premium in trust for the company making the contract. 
If he fails to pay the same over to the company after written demand made 
upon him therefor, less his commission, and any deductions to which by 
the written consent of the company he may be entitled, such failure shall 
be prima facie evidence that he has used or applied the said premium for 
a purpose other than paying the same over to the company, and upon con- 
viction thereof he shall be deemed guilty of larceny and punished accordingly. 

Chapter 185 amends section 3 of chapter 511 of the Acts of the 
year 1908 by adding at the end of said chapter these words : — 

nor shall this act be so construed as to prevent any company from paying 
to another insurance company or to any person who is a duly authorized 
agent, sub-agent or broker, and who holds himself out and carries on busi- 
ness in good faith as such, or to prevent an insurance company or such 
a person from receiving a commission in respect to any policy under which 
it itself or he himself is insured. 

This act went into effect March 9, 1910, and has the effect to 
permit an insurance company, if it desires, to give another insurance 
company or any duly authorized agent, sub-agent or broker who 
holds himself out and carries on business in good faith as such, a 
commission on a policy under which such person or company is 
insured. 

Chapter 489 requires that referees chosen under the provisions of 
the standard fire insurance policy must meet within ten days of 
their appointment, and may not adjourn for a longer period than 
seven days unless with the unanimous consent of said referees. 



XIV REPORT OF THE 

A new chapter puts a statutory interpretation upon the provision of 
the standard policy providing for a sworn statement by the insured, 
giving certain details as set forth in the policy in case of any loss 
sustained by him. The new law requires simply that the insured 
shall give notice of the loss to the company or its local agent, and if 
the company desires a sworn statement setting forth the value of the 
property insured and other details, it shall forthwith notify the 
insured to furnish such statement. This act goes into effect Jan. 1, 
1911. 

Chapter 375 of the Acts of the year 1910 forbids any domestic 
insurance company from investing any of its funds in loans upon 
mortgages if any such proposed loan exceeds 60 per cent, of a fair 
market value of the real property which secures it at the time of 
such loan. A certificate of the value of such property must be exe- 
cuted before making such loan by the person or persons making or 
authorizing it on behalf of the company, which certificate shall be 
recorded on the books of the company. 

Chapter 328 gives the chief of the district police authority to 
report to insurance companies, to owners of property or to other 
persons interested in the subject-matter of an investigation of the 
cause and circumstances of a fire, any information in his possession 
obtained by such investigation which may in his opinion require 
attention from or by such parties. 



Liability of Members of Mutual Insurance Companies. 

In the reports of receivers printed in this volume is a reference 
to an opinion of the Supreme Court in the cases of Hill, Receiver, 
v. Baker. As it answers many natural inquiries as to the liability 
of members in mutual companies it is of interest to all who have 
to deal with insurance questions and is herewith reproduced. In 
the way of explanation it should be said that there were six actions 
of contract brought by the receiver of the China Mutual Insurance 
Company, the first ii\ r e to recover the amount of notes given by 
defendants to the company in payment of premiums on policies 
issued in their favor by the company; the sixth case was by one 
Lothrop against the receiver, to recover back a proportionate part 
of a cash premium paid by Lothrop in advance. In the Superior 
Court, Pierce, J., found in favor of the defendants in the first five 
actions and for the plaintiff in the case of Lothrop against the re- 
ceiver. The cases were then reported to the Supreme Judicial Court. 



INSURANCE COMMISSIONER. XV 



The Opinion. 

Sheldox, J. When a mutual fire insurance company has become insolvent 
and a receiver has been appointed to settle its affairs under St. 1907, c. 576, 
v} S, its outstanding policies cease to afford any protection to their holders, 
being cancelled as to any future losses, but the premiums which have been 
paid, for future as well as past protection, and the contingent liability to 
assessment upon premium notes which have been given by the policy holders, 
remain as a fund for the payment of all the debts and liabilities of the 
company, including losses that have been incurred. (Commonwealth v. 
Massachusetts Ins. Co., 119 Mass. 45; S. C, 112 Mass. 116.) As was said 
by Wells, J., in the case last cited : " Each member is at the same time 
insurer and insured. In one aspect he is a mere holder of a policy con- 
taining a contract of indemnity against loss by fire, with a specific and 
limited fund out of which that indemnity is to be made good. ... In another 
aspect he is a member of the corporation, made so by the very nature of 
the contract, and so declared by law. ... In this relation, he is an insurer, 
and is affected by another and very different class of obligations." The 
deprivation of the right to recover for a future loss does not of itself ter- 
minate his membership in the company and his consequent liability to con- 
tribute, to the extent of his note, to the payment of losses. (Cummings v. 
Sawyer, 177 Mass. 30.) The fundamental question in this case is whether 
the same rule is to be applied to the Mutual Marine Insurance Company, 
of which the plaintiff in the first five of these actions is the receiver; whether 
policy holders in that company are liable to the receiver upon their promis- 
sory notes given for insurance premiums, although the terms of the policies 
have not expired, and the total amounts of the premiums have not been 
earned, or, in other words, although they have not enjoyed the full benefit 
of the insurance for which their notes were given. This question is to be 
determined upon the several contracts of insurance and the statutes under 
which these contracts were made. (Pendergast v. Commercial Mutual Marine 
Ins. Co., 15 Gray, 257.) 

In each of these cases the company has made a contract of insurance 
against definite risks for a fixed period and in consideration of a stipulated 
premium. In each case, except the last, the premium was paid, in whole or 
in part, by a note given by the insured to the company. Each policy de- 
scribes the insured as a member of the company. By the charter of the com- 
pany, St. 1853, c. 262, it was to make " insurance against marine losses on 
the mutual principle, with all the favors and privileges and subject to all 
the duties, liabilities and restrictions set forth in the thirty-seventh and forty- 
fourth chapters of the Revised Statutes and all subsequent laws in force 
relating to mutual insurance companies, so far as applicable to " this com- 
pany. The by-laws of the company provide that all persons who have 
property insured with it shall be members of the company during the period 
of such insurance and shall have votes accordingly. (And see Pub. St., 
c. 119, § 121, continued in force by R. L., c. 118, $ 53, and St. 1907, c. 576, 



Xvi REPORT OF THE 

§ 54.) The by-laws also provide for the division of profits among policy 
holders upon terminated risks. 

It seems clear to us that the effect of the policies under this provision of 
statute is that the policy holders must be treated as having taken their 
insurance strictly upon the mutual principle, unless there shall be found 
to be something in subsequent legislation to alter this. But the decisions 
already cited did not rest upon principles applicable only to mutual fire 
insurance companies. They went upon broad rules which were to be applied 
to all cases of mutual insurance, although modified by our statutes as to 
the manner of enforcing the contingent liability upon premium notes given 
as additional security to the company and its policy holders. Those general 
principles have been applied and enforced in other States under statutes 
more or less similar to our own, without distinction as to the general doctrine 
between mutual companies, whether they issued insurance upon lives, against 
loss by fire or upon marine risks. The cases as to fire insurance companies 
are, of course, more numerous. (Mygatt v. Protection Ins. Co., 21 N. Y. 52; 
Lawrence v. Nelson, 21 N. Y. 58; Dodge v. Millville Ins. Co., 43 N. Y. 
Eq. 522; Hillier v. Alleghany Ins. Co., 3 Penn. St. 470; Dewey v. Davis, 
82 Wis. 500; Taylor v. North Star Ins. Co., 46 Minn. 198.) But we find, 
also, decisions put upon the same grounds as to life insurance and marine 
insurance companies. (Hone v. Boyd, 1 Sandf. 481; Vanatta v. New Jersey 
Mutual Life Ins. Co., 31 N. J. Eq. 15; Mayer v. Atty.-Gen., 32 N. J. Eq. 815.) 
The cases go on the general rule that there is no liability on the part of 
the insurance company for failing to continue the performance of its agree- 
ment when that performance has been made impossible by the action of the 
State under existing laws. (People v. Globe Mutual Life Ins. Co., 91 N. Y. 
174; Baylies v. Fettyplace, 7 Mass. 325; Wade v. Mason, 12 Gray, 335; 
Woodward v. Cowing, 13 Mass. 216.) The fact that the insurance company 
has become insolvent, instead of being a reason against the full collection 
of outstanding premiums, furnishes a reason why they should be collected. 
(Fogg v. Pew, 10 Gray, 409, 415; Alliance Mutual Ins. Co. v. Swift, 10 Cush. 
443; Lester v. Webb, 5 Allen, 569.) All these cases that have been referred 
to go upon the principle that the premiums paid or absolutely agreed to be 
paid by the members for their policies constitute a fund for the payment 
of losses; and the principle is the same whether the payment is in cash 
or by note, so long as the policy is issued upon the mutual principle to one 
who by accepting the insurance becomes a member of the insurance company. 
(State v. Manufacturers Ins. Co., 91 Mo. 311; Ohio Mutual Ins. Co. v. 
Marietta Woolen Factory, 3 Ohio St. 348; Hart v. Achilles, 28 Barb. 576; 
White v. Havens, 20 How. Pr. 177.) 

We find nothing to alter the general principle in the legislation which 
followed the charter of this company. The definition of the " net assets " 
of a mutual marine insurance company in R. L., c. 118, § 1, St. 1907, c. 576, 
§ 1, can have no such effect. We have been referred to no statute giving 
the right to the return of any part of a premium or to an allowance of any 
part of a note given for a premium in a case like this; and we find no such 



INSURANCE COMMISSIONER. XV11 

statute. No such right is created by the stipulations of the policies or the 
by-laws of the company. The notes were given in payment of premiums 
absolutely due; they were to be paid in full, either in money or by the 
application of anticipated profits; each policy holder was a member of the 
company. The members were not, to be sure, to be assessed like policy 
holders in a mutual fire insurance company, for the very reason that it was 
expected that ultimately in the one way or the other their notes would be 
paid. And each policy upon which a note was taken provides that when 
a loss occurs, the amount of any unpaid premium note without discount 
is to be deducted from what the insured is entitled to receive. This shows 
the understanding of both parties that the premium note was absolutely 
payable. The language of Pub. St., c. 118, § 128, still in force, as we have 
already seen, points in the same direction. 

We cannot accede to the contention made for the policy holders that this 
company was not a mutual company. 

It follows that in the action of Lothrop, judgment must be entered for 
the defendant. In the cases against Baker and Donnell, respectively, the 
plaintiff is entitled to judgment. 

In the suit against the River Plate Shipping Company, the policy was 
sent to the company on March 14, 1908, for cancellation, and on March 16, 
the president of the company wrote in reply that the policy was cancelled 
as requested. The plaintiff was appointed temporary receiver of the com- 
pany on March 19 and permanent receiver on March 27 of the same year. 
We have not the date of the filing of the bill on which this was done, and 
must take the date of the appointment as fixing the rights of the parties. 
(Merrill v. Commonwealth Fire Ins. Co., 171 Mass. 81; Attorney-General 
v. Massachusetts Benefit Assn., 171 Mass. 193.) We are of opinion that 
we must treat the policy as cancelled on the day when the president wrote 
his letter saying that it was cancelled. There is no intimation that this 
was not done in good faith on both sides, in ignorance of the insolvency, 
and such ignorance was possible, even in the president of the company. 
(Furber v. Dane, [Suff. Jan. 10, 1910].) The case differs in this respect 
from Doane v. Millville Ins. Co., 43 N. J. Eq. 522. Accordingly the de- 
fendant is entitled to have a proper deduction made from the amount of 
its note for the period after March 16, 1908, when its policy was surrendered. 
(Fayette Mutual Ins. Co. v. Fuller, 8 Allen, 27.) In this case there must 
be a new trial. 

In the case against Hodsdon, the insured requested, on March 26, 1908, 
that the policy be cancelled. This was after the appointment of the receiver, 
who answered that the matter would have his attention. But the rights of 
the parties had already been fixed. The plaintiff is entitled to judgment. 

In Wing's case the premium was agreed to be 16 per cent, for two years. 
But the policy provided that the premium should be returned for months 
not entered upon, with a warranty of 12 per cent. This is not like the case 
of an ordinary open policy, in which the insurer is held only for such risks 
as are subsequently assumed and endorsed upon the policy. If that were so, 



XV111 REPORT OF THE 

the company and the receiver in its right would be entitled in an action 
like this to recover the amount only of the premiums upon such risks as 
had been so assumed. (Maine Ins. Co. v. Stockwell, 67 Me. 382; Elwell v. 
Crocker, 4 Bosw. 22.) But under this policy the term of insurance had 
been entered upon, and it would continue to run until stopped by a written 
request from the insured. As it does not appear that any such request was 
made, in this case also there must be judgment for the plaintiff upon his 
declaration. 

Ordered accordingly. 



Department Finances. 

The insurance department collected from fees of various kinds 
during the fiscal year ending Nov. 30, 1909, the sum of $93,016.40, 
of which there was received for brokers' licenses, $24,020; agents' 
licenses, $47,025; for valuation of policies, $13,533.12; for filing an- 
nual statements, $4,893 ; and from miscellaneous sources, $3,545.28. 
The department's expenditures during that period amounted to 
$70,977.42, leaving a net surplus accruing to the Commonwealth of 
$22,038.95. 

Kespectfully submitted, 



/A 





.dsud. 



Insurance Commissioner. 



INSURANCE COMMISSIONER. XIX 



REPORTS OF RECEIVERS OF INSURANCE COMPANIES. 



American Insurance Company. — Arthur D. Hill, 53 State Street, 
Boston, receiver; appointed Jan. 17, 1908. The receiver has been 
allowed by decree of court to compromise with the policy holders 
with whom the American Insurance Company had made settlements 
immediately after the San Francisco fire on the basis of 40 per cent, 
of their claims. Under these compromises the receiver paid sums 
amounting in all but two or three cases to 10 per cent, on the balance 
remaining due, or 6 per cent, on the original claim, so that most of 
these claimants received in all 46 per cent, of their losses. There 
were one or two instances where the facts showed special agreements 
on behalf of the company which were settled for a slightly larger 
figure. In all, these compromised San Francisco claims required 
the payment of approximately $27,000 from the assets. The receiver 
believes the settlement to be a very advantageous one for the estate, 
which was saved the costs of long and doubtful litigation, and also 
believes it to have been as fair a result for the claimants them- 
selves as could well have been arrived at, considering the difficulties 
both of fact* and law which lay in the way of any other method of 
dealing with the situation. The receiver has allowed other claims 
to the amount of approximately $164,000, on which he has paid two 
dividends of 25 per cent, each, amounting to approximately $82,000. 
He has in his hands assets consisting of securities and cash amounting 
to approximately $62,000. These are held to wait the running out of 
the unexpired policies, which, under the decision of the Supreme 
Court, are not cancelled by the receivership, and for the security of 
which it is, therefore, necessary to retain some cash on hand. The 
last policy expires in the spring of 1911 and a final dividend will 
then be paid. The only other matters outstanding are one lawsuit 
against the Girard Fire and Marine Insurance Company, and a few 
small claims for losses against reinsuring companies, which have not 
as yet been adjusted. The expense of the receivership at the present 
time is reduced to a payment of $25 a month for clerk hire and the 



XX REPORT OF THE 

rent of a small office, amounting to approximately $450 a year. 
These and such other small expenses as there are are more than taken 
care of by the interest on the assets. 

Atlas Mutual Insurance Company. — Franklin T. Hammond, 50 
State Street, Boston, receiver; appointed May 11, 1904. The re- 
ceiver had in hand May 1, 1910, cash amounting to $13,515.98. 
Since June, 1908, the receiver has collected $53,045.69 on account 
of assessment levied by the Supreme Court. Of the assessment levied, 
amounting to $73,500, there remains the sum of $16,883.01 as un- 
collected assessment. One hundred per cent, has been paid on claims. 
The receiver will seek instructions from the court as to the dis- 
position of the surplus. 

China Mutual Insurance Company. — Arthur D. Hill, 53 State 
Street, Boston, receiver; appointed March 27, 1908. On April 25, 
1910, the receiver filed with the court a petition allowing 98 claims, 
amounting to $71,025.71, and praying leave to pay a dividend of 
20 per cent. A decree allowing this petition was entered, and the 
claims will be paid as soon as the time for appeal (thirty days after 
the decree) has expired. On the same day a petition, in which the 
receiver stated that he disallowed ten claims, was also filed, and the 
court was asked to confirm his action. It is probable that some at 
least of the cases will be contested, and will have to be either heard 
by the court or referred to a master. A large number of other claims 
still remain to be passed on by the receiver. The receiver states that 
the administration of the receivership has been necessarily slow for 
the reasons : — 

First. — Because the character of the claims and the complicated 
nature of the accounts between the China and various parties has 
required much time and correspondence in many cases. 

Second. — Because the principle on which claims should be ad- 
justed could not be ascertained until the termination of the suits 
recently decided in the Supreme Court of Hill v. Baker, and others, 
which settled the mutual rights of the makers of premium notes and 
the company. 

Third. — Because a considerable number of the assets have proved 
difficult of collection and required litigation. 

Fourth. — Certain creditors have obtained from the court leave 
to have the time for proof of claim by them extended. The most 
important of these are the United Dutch Marine Insurance Com- 



INSURANCE COMMISSIONER. XXI 

panics and the Home Insurance Company, each of which reinsured 
heavily in the China ; the claims already proved by the United Dutch 
amounting to $105,831.96, and the claims proved by the Home 
Insurance Company amounting to $9,720.24. The original insurance 
was on risks all over the world, and the companies have reported to 
the court that it was impossible for them to ascertain and prove 
their claims within the time allowed. They are still sending in 
proofs constantly, and a number amounting to some thousands of 
dollars have been received within a few days, and until their right 
to prove is declared closed, it is absolutely impossible to distribute 
any considerable part of the estate. 



XX11 



REPORT OF THE 



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INSURANCE COMMISSIONER. 



cm 



Table Xo. S. — Statement of the Receipts and Expenditures of the Insurance 
Department for the Fiscal Year ending Nov. 30, 1909. 

^Made pursuant to Acts of 1907, chapter 576, section 17.] 

Receipt^. 



Compensation for valuation of life insurance policies, . 




S13.533 


12 


License fees, filing statements, certificates 


, etc., . 




79,483 


28 


Total 


893.016 


40 


EXPEXDITURI> 


Commissioner. 










Frank H. Hardison, 




*5, 000 00 






Deputy Commissioner. 










Charles W. Fletcher, 




3,500 00 






Actuary. 










Emma W. Cushman, 




2.000 00 






Examiner. 










Lemuel G. Hodgkins, 




3,000 00 






Clerks. 










Arthur E. Linnell, first. 


•S2.000 00 








George W. Smith, second, from March 22 


,. 1.040 32 








Minnie F. Whipple, third. 


1.200 00 


4,240 32 












Extra Clerks. 










TV. 0. Richardson, 


$2,000 00 








I. L. Baker. . 






1.000 00 








M. E. Burrill. 








1.000 00 








E. L. Johnson, 








1.000 00 








F. M. Robbins, 








1.000 00 








C. E. Weis, . 








1.000 00 








E. G. Stevens, 








960 00 








G.M.Hall, . 








900 00 








M. Sanborn, 








900 00 








E. P. Bancroft, 








S-40 00 








K. J. Connorton, 








S40 00 








S. E. Gould, 








S40 00 








F. E. Gowell, 








S40 00 








B. B. Hadley. 








S40 00 








M. A. Hosmer. 








S40 00 








L. A. McGowan, 








S40 00 








M. L. McMann, 








S40 00 








G. L. Moore, 








S40 00 








A. F. Xoyes, 








S40 00 








E. A. Perkins, 








840 00 








Amounts carru 


>d fori 


card, 


• 


S19,000 00 


$17,740 32 





CIV 



REPORT OF THE 



Table No. 8. — Statement of Receipts, etc. — Continued. 



Amounts brought forward, 

H. L. Richardson, 
K. L. Scheufele, 
F. A. Tufts, . 
M. F. Yeaton, 
L. H. Young, 
K. M. O'Leary, 

E. L. Kittredge, 
W. Mullan, . 

F. R. Leonard, 

G. C. Studley, to October 16, 
E. C. Crocker, 

M. H. Dyer, to October 31, 
J. S. Davis, to October 31, 

D. P. J. Walsh, 

E. R. Cowdrv, 

E. E. Holden, 
C. W. Brown, 
H. O. Boone, . 
C. E. Proutv, 
G. L. Hemenway, 
L. M. Draper, 
S. A. Collins, 

F. M. Dominick, 
Additional clerical assistance, 



Expenses. 

Marvyn Scudder, appraisals, . 

James W. French, appraisals, 

Joseph W. Peabody, appraisals, 

Edmunds Brothers, appraisals, 

R. L. Day & Co., appraisals, . 

H. L. Peabody, examining mortgage 
papers, ..... 

Books, periodicals, etc., 

Clerical services, .... 

Electric drive, split adding machine, 

Expenses delegates to convention, etc., 

Expenses of appraisal of real estate in 
Chicago and vicinity, . 

Index cards, guides, etc., 

Postage, ..... 

Printing, ..... 

Stationery, typewriter and office supplies, 

Travelling expenses in examination of in- 
surance companies, etc., 

Sundries, ...... 



$19,000 00 


840 00 


840 00 


840 


00 


840 


00 


840 00 


823 


55 


813 


92 


806 


77 


790 00 


788 


72 


779 50 


770 00 


770 00 


726 


33 


720 


07 


720 


00 


700 


00 


684 


51 


646 


34 


630 00 


593 


56 


404 84 


240 


17 


871 


85 


$1,495 58 


175 


00 


162 


40 


85 


00 


35 


00 


409 


95 


74 


20 


62 


90 


499 80 


396 60 


273 


37 


156 


68 


825 84 


3,237 


94 


442 


16 



2,588 69 
67 43 



$17,740 32 



A mount carried forward, 



36,486 13 



10,988 54 



$65,214 99 



INSURANCE COMMISSIONER. 



CV 



Table No. 8. — Statement of Receipts, etc. — Concluded. 



Amount brought forward, ..... 

Printing Report. 

2,500 copies, Part I., . ' . . . $2,641 76 

4,000 copies, Part II., .... 3,031 63 

1,500 copies fraternal beneficiary corpora- 
tions, ...... 71 70 

500 copies Texts and Tables, . . . 17 34 



Fees collected and turned into State Treasury, . 
Surplus accrued to the Commonwealth, . 




$70,977 42 
93,016 40 

$22,038 98 



FIRE AND MAEINE INSURANCE COMPANIES. 



Abstracts of Annual Statements for the Year ending 
December 31, 1909. 






ABINGTON MUTUAL TIRE INSURANCE CO, 



MASSACHUSETTS MUTUAL FIRE INSURANCE COMPANIES. 



ABINGTON MUTUAL FIRE INSURANCE COMPANY, 

Incorporated May 30, 1856. Commenced business June 15, 1857. 
ISAAC C. HOWLAND, President. ALFRED H. 

Income. 
Net premiums, ........ 

Gross interest on mortgages, $957.95 ; stocks and bonds, $3,958.1 1 

bank deposits, $994.27; gross rents, $125, . 
Gross increase in book value of bonds, .... 

Commissions on return and reinsurance premiums, . 
Dividends on reinsurance, ...... 

Dividend, Metropolitan National Bank, in liquidation, 

Total income, ....... 

Ledger assets, Doc. 31, 1908, 



Total, 



Disbursements. 



Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, ..... 

Commissions or brokerage, ..... 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, ..... 

Other licenses, fees and taxes, .... 

Gross decrease in book value of stocks and bonds, 
Agents' balances charged off, .... 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, ..... 



ABINGTON 




NASH, Secretary. 


$44,524 97 


! 6,035 


33 


346 


25 


332 


04 


353 


24 


1,680 00 


$53,271 83 


143,869 


17 


. $197,141 


00 


$12,831 


54 


228 


00 


16,359 


52 


6,470 


79 


4,282 


62 


465 


00 


250 00 


246 


78 


947 


18 


93 


50 


255 


02 


33 


79 


351 


45 


450 20 


8 


12 


1,570 00 


89 


69 


180 


71 


$45,113 91 


$152,027 09 


$18,375 


78 


105,060 


00 


630 


25 


837 


46 


24,263 


52 


2,860 08 


. $152,027 


09 






ABINGTON MUTUAL FIRE INSURANCE CO. 



Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $310.10; bonds, $1,336.70, . 

Gross assets, ....... 

Assets not admitted. 

Agents' balances over three months due, 

Book value of stocks and bonds over market value, 

Admitted assets, ..... 

Liabilities. 
Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, 

Surplus to policy holders, .... 

Total liabilities and surplus, 



$82 37 
1,581 00 



$1,646 80 
$153,673 89 



1,663 37 
$152,010 52 



$340 07 

67,671 20 

464 33 

13 18 

121 66 



,610 44 
83,400 08 

$152,010 52 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$8,446,419 00 
2,961,024 00 



$11,407,443 00 
2,707,603 00 

$8,699,840 00 
142,011 00 



Cash Prem's. 

$134,399 16 
47,180 76 



$181,579 92 
44,465 32 

$137,114 60 
2,156 65 



Conting't Prem's. 

$134,399 16 
47,180 76 

$181,579 92 
44,465 32 

$137,114 60 



5,557,829 00 $134,957 95 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, .... 

Cash dividends paid policy holders from organization of company, 
Losses incurred during the year, ...... 

Dividends to policy holders during 1909, 20, 40 and 60 per cent. 



,133,095 52 

461,793 76 

326,647 97 

13,118 94 



Schedule A. Stocks and Bonds owned by the Company. 



Bank Stocks. 
15 shares Abington National, 



First National, Salem, 
Metropolitan National, Boston, 
Old Boston National, Boston, 
State National, Boston, 
Whitman National, 



14 
14 

5 
10 

5 

State and Municipal Bonds. 
Boston, Mass., 3^s, 1923, . 
Boston, Mass., 3£s, 1919, . 
Cambridge, Mass., 3^-s, 1918, 
Chicago, 111., 4s, 1914, 
Massachusetts 3s, 1929-30, 
Massachusetts 3s, 1941, 



Book Value. 

$1,500 00 

560 00 

500 00 

1,000 00 

500 00 

4,000 00 
1,000 00 
2,000 00 
2,000 00 
4,000 00 
1,000 00 



Rate. 
100 
15 
40 
130 
182 
105 

97 
98 
98 
101 
97 
96 



Market Value. 

$1,500 00 

84 00 

560 00 

650 00 

1,820 00 

525 00 

3,880 00 
980 00 
1,960 00 
2,020 00 
3,880 00 
960 00 



ANNISQUAM MUTUAL FIRE INSURANCE CO. 



New Bedford, Mass., 4s, 1910, . 

New Bedford, Mass., 3*8, 1913, 

South Abington (now Whitman) 4s, 1913, . 

Railroad Bonds. 
Boston & Maine 4s, 1926, 
Chicago, Burlington & Quincy 3^s, 1949, 
Chicago & Eastern Illinois 4^s, 1910, 
Chicago Junction & Union St. Yds. 4s, 1940, 
Chicago & Northwestern 5s, 1921, 
Cleveland, Cin., Ch. & St. Louis notes 5s, 1911, 
Concord & Montreal 4s, 1920, . . . 

Concord & Montreal 3£s, 1920, . 

Fitchburg 4s, 1925, 

Flint & Pere Marquette 6s, 1920, 

Illinois Central (Louisville D. & T.) 3£s, 1953, 

Illinois Central (Litchfield Div.) 3s, 1951, . 

Maine Central 7s, 1912, 

New York Central & Hudson River 4s, 1934, 

New York Central & Hudson River 3£s, 1997, 

New York Central Lines equip. 5s, 1917, 

New York, New Haven & Hartford 4s, 1914, 

New York, New Haven & Hartford 3^s, 1954, 

Old Colony 3£s, 1932, 

Pennsylvania convertible 3£s, 1915, . 

Princeton & Northwestern 3£s, 1926, 

Rockland & Abington Street 6s, 1915, 

Taunton Street 5s, 1914, . 

Terminal Association of St. Louis 4£s, 1939, 

Trenton Passenger 6s, 1931, 

West End Street 4s, 1915, 

Worcester Consolidated Street 5s, 1927, 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 



Book Value. 

$2,000 00 
2,000 00 
2,000 00 

8,000 00 
3,000 00 
2,000 00 
3,000 00 
2,000 00 
3,000 00 
3,000 00 
5,000 00 
3,000 00 
1,000 00 
3,000 
2,000 
1,000 
1,000 
2,000 
3,000 
3,000 00 
3,000 00 
4,000 00 
2,000 00 
3,000 00 
1,000 00 
5,000 00 
2,000 00 
2,000 00 
3,000 00 
3,000 00 

5,000 00 
$105,060 00 



00 
00 
00 
00 
00 
00 



Rate. 

100 

99 

101 

99 

90 

100 

92 

107 

101 

98 

94 

99 

111 

89 

79 

107 

96 

91 

105 

99 

86 

93 

97 

94 

105 

100 

107 

115 

100 

99 

93 



Market Value. 

$2,000 00 

1,980 00 

2,020 00 

7,920 00 
2,700 00 
2,000 00 
2,760 00 
2,140 00 
3,030 00 
2,940 00 
4,700 00 
2,970 00 
1,110 00 
2,670 00 
1,580 00 
1,070 
960 
1,820 
3,150 
2,970 
2,580 
3,720 00 
1,940 00 
2,820 00 
1,050 00 
5,000 00 
2,140 00 
2,300 00 
3,000 00 
2,970 00 

4,650 00 
$103,479 00 



00 
00 
00 
00 
00 
00 



ANNISQUAM MUTUAL FIRE INSURANCE COMPANY, GLOUCESTER. 

Incorporated March 1, 1847. Commenced business Dec. 28, 1847. 

BRADBURY H. HUFF, President. WILLIAM H. JEWETT, Secretary. 

[This company relies upon assessments on deposit notes to pay losses and expenses.) 

Income. 
Fire premiums, ......... $306 32 

Gross interest on mortgages, $326; bank deposits, $203, . 529 00 



Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements. 

Net amount paid policy holders for losses, 
Dividends to policy holders, .... 

Salaries, fees, etc., of officers and employees, 
Rents, ...... 

Printing and stationery, 

Postage, telegrams, telephone and express, 

State taxes on premiums, 

All other disbursements, 

Total disbursements, 

Balance, .... 



$835 32 
10,557 22 



$11,392 54 


$14 43 


162 79 


350 00 


10 00 


24 04 


5 85 


1 41 


21 02 



$589 54 



$10,803 00 



ARKWRIGHT MUTUAL FIRE INSURANCE CO. 



Ledger Assets. 
Mortgage loans on real estate, 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Safe, ........ 

Total ledger assets, 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $119.66; other assets, $20.86, 



56,000 00 

59 79 

4,658 21 

85 00 



$10,803 00 



140 52 



Gross assets, 



Safe, 



Admitted assets, 



Assets not admitted. 



Liabilities. 



Dividends due policy holders, 

Risks and Premiums. 

In force Dec. 31, 1908, 

Written during the year, .... 



Risks. 

$273,755 00 
47,725 00 



$10,943 52 

85 00 
$10,858 52 

$43 71 

Conting't Prem's. 



Total, . 
Expired and terminated, 

In force at end of year, . 



$321,480 00 
52,725 00 

$268,755 00 



Miscellaneous. 



Losses incurred during the year, 



$2,916 84 

$14 43 



ARKWRIGHT MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

Incorporated Feb. 8, 1860. Commenced business Oct. 1, 1860. 
R. W. TOPPAN, President. D. W. BARTLETT, Secretary. 

Office, 31 Milk Street 

Income. 

Net premiums, $1,794,731 77 

Gross interest on bonds, $60,034.03; bank deposits, $2,846.11, . 62,880 14 

From all other sources, . . . . . . . 720 00 



Total income, . 

Ledger assets, Dec. 31, 1908, . 

Total, 

Disbursements 

Net amount paid policy holders for losses, 
Dividends to policy holders, . 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 



,1,858,331 91 
1,674,556 10 

53,532,888 01 



$36,305 93 

1,549,960 45 

40,575 29 

2,701 68 

3,059 91 



6 



ARKWRIGHT MUTUAL FIRE INSURANCE CO. 



Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Fire department, patrol and salvage corps fees and taxes, 
Inspections and surveys, ..... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Gross decrease in book value of bonds, 

Traveling expenses, ...... 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 

Book value of bonds (schedule A), . 

Cash in office, ....... 

Deposits in trust companies and banks on interest, . 
Premiums in course of collect ion, .... 



Non-Ledger Assets. 



Total ledger assets, 

Interest accrued on bonds, .... 

Gross assets, ...... 

Assets not admitted. 
Book value of bonds over market value, . 

Admitted assets, ..... 

Liabilities. 
Unpaid losses, ...... 

Unearned premiums on outstanding risks. 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, 

Surplus to policy holders, .... 

Total liabilities and surplus, 

Risks and Premiums. 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 



Risks. Cash Prem's. 

$220,962,122 00 $1,635,412 86 
254,449,078 00 1,843,705 17 



$2,372 


12 


10 


00 


2,238 


31 


443 


76 


29,388 


00 


18,282 


47 


32 


50 


10,638 


25 


1,212 


07 


562 


79 


$1,697,783 53 


$1,835,104 48 


$1,660,202 00 


93 


67 


159,777 


06 


15,031 


75 


$1,835,104 48 


21,264 56 


$1,856,369 04 


29,352 


00 



$1,827,017 04 

$2,500 00 

890,570 94 

434 90 

22,726 70 

$916,232 54 
910,784 50 

$1,827,017 04 



Conting't Prem's. 

$8,177,064 30 
9,218,525 85 



5475,411,200 00 $3,479,118 03 $17,395,590 15 
231,448,176 00 1,697,976 14 8,489,880 70 



In force at end of year, . . $243,963,024 00 $1,781,141 89 $8,905,709 45 

Miscellaneous. 

Net premiums received from organization of company, . . $25,659,587 84 

Net losses paid from organization of company, . . 3,058,268 60 

Cash dividends paid policy holders from organization of company, 20,019,413 67 
Losses incurred during the year, ...... 37,247J88 

Dividends to policy holders during 1909, 94 per cent. 



ATTLEBOROUGH MUTUAL FIRE INSURANCE CO. 



Schedule A. Bonds owned by the Company. 



State and Municipal Bonds. 
Boston, Mass., 3*s, 1932, . 
Boston, Mass., 3^s, 1945, . 
Cambridge, Mass., 4s, 1910, 
Cambridge, Mass., 3*s, 1920, 
Lowell. Mass.. 4s, 1920, . 
Massachusetts 3s, 1939, 
Massachusetts 3s, 1940, 
New York, N. Y., 4s, 1955, 
New York, N. Y., 4+s, 1957, 
Providence, R. L, 3s, 1930, 
Waltham, Mass., 4s, 1910, 

Railroad Bonds. 
Boston & Albanv 3+s. 1952, 
Boston & Albany 4s, 1913, 
Boston & Albany 4s, 1933, 
Boston Elevated 4s, 1935, 
Boston & Lowell 4s, 1913, 
Boston cfc Lowell 4s, 1932, 
Boston & Maine 4s, 1942, 
Boston & Maine 4+s, 1944, 
Boston & Providence 4s, 1918, 
Chic, Burlington & Quincy 3^s, 1949, 
Chic, Burlington & Quincy 4s, 195S, 
Chic. June & Union St. Yds. 5s, 1915, 
Chic, Milwaukee & St. Paul 4s, 1934, 
Chicago & Northwestern 5s, 1933, 
Concord <t Montreal 4s, 1920, . 
Erie <fc Pittsburg 3*8, 1940, 
Fitchburg 4s, 1928, . 
Hannibal & St. Joseph 6s, 1911, 
Kansas City. Fort Scott & Gulf 5s, 1911. 
Lake Shore & Michigan Southern 3*s, 1997, 
Lake Shore & Michigan Southern 4s, 1931, 
Lincoln & Northwestern 7s, 1910, 
New England 4s, 1945. .... 
New York Central & Hud. Riv. 3*s, 1997, . 
New York Central & Hud. Riv. 3*s, 1998, . 
New York, New Haven & Hartford 3-§-s, 1947, 
New York, New Haven & Hartford 4s, 1954. 
Norwich & Worcester 4s, 1927, 
Old Colonv 4s, 1938, .... 

Pennsylvania Co. 4|s, 1921, 
Pennsylvania Co. 4s, 1931, 
Phila., Wilmington & Baltimore 5s, 1910, . 
Portland & Ogdenstmrg 4*s, 192S, 
West End Street 4s, 1932, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, . 
American Tel. & Tel. Co. 5s, 1910, 
New York Telephone Co. 4*s, 1939, . 



Book Value. 
$50,000 00 
30,000 00 
15,000 00 
25,000 00 
20,000 00 
55,000 00 
45,000 00 
50,000 00 
50,000 00 
50,000 00 
10,000 00 

25,000 00 
30,000 00 
49,225 00 
50,000 00 
35,000 00 
54,875 00 
49,900 00 
25,000 00 
20,000 00 
48,000 00 
24,937 00 
23,719 00 
47,375 00 
25.000 00 
25,000 00 
24,750 00 
50,000 00 
25,000 00 
10,000 00 
49,500 00 
23,906 00 
10,000 00 
30,000 00 
70,766 00 
26,700 00 
50,000 00 
50,000 00 
50,000 00 
40,000 00 
30,000 00 
19,400 00 
20,000 00 
25,000 00 
25,000 00 

48,562 00 
24,312 00 
24,275 00 

$1,660,202 00 



Rate. 
96 
95 

100 
98 

102 
88 
87 

100 

111 
88 

100 

90 

100 

101 

100 

100 

100 

99 

107 

100 

90 

100 

101 

94 

111 

9S 

94 

99 

102 

100 

92 

95 

100 

101 

91 

81 

87 

101 

100 

100 

104 

98 

100 

107 

100 

93 
100 

9S 



Market Value. 
$48,000 00 
28,500 00 
15,000 00 
24,500 00 
20,400 00 
48,400 00 
39,150 00 
50,000 00 
55,500 00 
44,000 00 
10,000 00 

22,500 00 
30,000 00 
50,500 00 
50,000 00 
35,000 00 
55,000 00 
49,500 00 
26,750 00 
20,000 00 
45,000 00 
25,000 00 
25,250 00 
47,000 00 
27,750 00 
24,500 00 
23,500 00 
49,500 00 
25,500 00 
10,000 00 
46,000 00 
23,750 00 
10,000 00 
30,300 00 
68,250 00 
24,300 00 
43,500 00 
50,500 00 
50,000 00 
40,000 00 
31,200 00 
19,600 00 
20,000 00 
26,750 00 
25,000 00 

46,500 00 
25,000 00 
24,500 00 

$1,630,850 00 



ATTLEBOROUGH MUTUAL FIRE INSURANCE COMPANY, 

ATTLEBOROUGH. 

Incorporated Feb. 24, 1S44. Commenced business July 18, 1845. 
CHARLES H. WHEELER, President. JAMES S. PALMER, Secretary. 

Income. 
Net premiums, ..... 
Gross interest on mortgages, $1,118.04; stocks 

bank deposits, $311.03; gross rents, $56, 
Borrowed money, . . . . . 

Total income, .... 

Ledger assets, Dec. 31, 1908, . 

Total, ...... 



and bonds, $290 



.5,043 34 

1,775 07 
1,250 00 



$18,068 41 
39,331 01 

$57,399 42 



8 



ATTLEBOROUGH MUTUAL FIRE INSURANCE CO. 



Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, .... 

State taxes on premiums, 

Gross decrease in book value of bonds, 

Interest on borrowed money, 

All other disbursements, 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $132.13; bonds, $115.83, 
Rents due on company's property, . 

Gross assets, ...... 

Assets not admitted. 

Agents' balances over three months due, 

Book value of stocks and bonds over market value, 

Accrued interest in default, .... 

Admitted assets, ..... 

Liabilities. 

Unpaid losses, including $2,000 resisted, . 
Unearned premiums on outstanding risks, 
State, county and municipal taxes, due or accrued, 
Due for reinsurance, ..... 
Borrowed money, ...... 

Total, 

Surplus to policy holders, .... 

Total liabilities and surplus, 



$11,933 75 

124 05 

1,963 87 

1,805 00 

192 00 

510 49 

130 86 

180 50 

133 91 

40 19 

170 20 

25 90 

$17,210 72 

$40,188 70 



$20,020 00 
8,546 40 
8,873 22 
2,749 08 



• 


$40,188 70 


• 


247 96 
8 00 


• 


$40,444 66 


$225 96 

966 40 

95 83 


1,288 19 



$39,156 47 



$2,300 00 

16,189 46 

42 86 

1,384 23 

4,250 00 

$24,166 55 
14,989 92 

$39,156 47 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE CO. 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . . . 

Expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 



Risks and Premiums. 

Risks. 

$3,382,801 00 
1,544,284 00 



Cash Prem's. 

$28,335 96 
16,818 29 



$4,927,085 00 
1,424,020 00 

$3,503,065 00 
640,500 00 



$45,154 25 
14,885 02 

$30,269 23 
1,628 50 



Conting't Prem's. 

$56,671 92 
33,636 58 

$90,308 50 
29,770 04 

$60,538 46 



Net amount in force, . $2,862,565 00 $28,640 73 

Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Losses incurred during the year, . . . 



$157,346 65 

119,410 34 

14,233 75 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
10 shares Hereford, ...... 

Municipal Bonds. 
Attleborough, Mass., Water 4s, 1926, 
Pawtucket, R. I., 4s, 1923, 

Miscellaneous Bonds. 
Northampton, Mass., Electric Light Co. 5s, 1927, 
Vaughn Machine Co. 5s, 1920, . 



Book Value. 
$1,000 00 

3,346 90 
2,183 50 

1,000 00 
1,016 00 

$8,546 40 



Rate. 
97 

103 
101 

100 
50 



Market Value. 
$970 00 

3,090 00 
2,020 00 

1,000 00 
500 00 

$7,580 00 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE COMPANY, 

YARMOUTHPORT. 

Incorporated March 2, 1833. Commenced business Aug. 1, 1833. 
ALPHONSO L. WEEKES, President. JOHN H. CLARK, Secretary. 

Income. 

Net premiums, $46,143 36 

Gross interest on mortgages, $33; stocks and bonds, $4,950.11; 
all other, $240; gross rents, for company's own occupancy, 

$200, 5,423 11 

Dividend National Bank of Republic, in liquidation, . . 125 00 

From all other sources, 83 04 



Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 
Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Underwriters' boards and tariff associations, 
Repairs and expenses on real estate, 
Taxes on real estate, . . . . 



$51,774 51 
112,984 95 



$164,759 


46 


$13,201 


33 


66 


50 


24,443 


09 


6,793 


75 


200 00 


292 


19 


215 


12 


212 


09 


35 


30 


15 


75 



10 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE CO. 



State taxes on premiums, ..... 
Premium on bonds purchased, .... 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Book value of real estate, ..... 

Mortgage loans on real estate, . . 

Book value of stocks and bonds (schedule A), . 

Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
• Deposits in trust companies and banks on interest, 
Bills receivable, ....... 

Total ledger assets, ...... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $8.25; bonds, $1,121.66; other assets, $1,962.84, 
Market value of stocks and bonds over book value, . 

Gross assets, ........ 

Liabilities. 
Unpaid losses, ........ 

Unearned premiums on outstanding risks, 

Dividends due policy holders, . . . . 

Salaries, expenses and accounts, due or accrued. 
State, county and municipal taxes, due or accrued, . 

Total, ......... 

Surplus to policy holders, ...... 

Total liabilities and surplus, ..... 

Risks and Premiums. 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 



Risks. 

$7,730,835 00 

2,542,313 00 

$10,273,148 00 

2,498,615 00 



Cash Prem's. 

$133,638 37 
45,923 45 

$179,561 82 
44,697 86 



$425 14 

85 00 
462 79' 



$46,448 05 
5118,311 41 



$1,000 00 


550 00 


111,286 61 


255 31 


211 49 


5,000 00 


8 00 


$118,311 41 


3,092 75 


18,916 64 


$140,320 80 


$1,500 00 


67,763 36 


420 17 


16 00 


130 36 



$69,829 89 
70,490 91 

$140,320 80 



Conting't Prem'a. 
\1 



$133,638 3^ 
45,923 45 

$179,561 82 
44,697 86 



$134,863 96 $134,863 96 



$7,774,533 00 

Miscellaneous. 

Net premiums received from organization of company, . . $ 

Net losses paid from organization of company, 
Cash dividends paid policy holders from organization of company, 
Losses incurred during the year, ...... 

Dividends to policy holders during 1909, 50 and 60 per cent. 

Schedule A. Stocks and Bonds owned by the Comp 

Railroad Stocks. Book Value. Rate. 

10 shares Chicago & Northwestern, common, . $1,000 00 185 

15 " New York, New Haven & Hartford, . 1,500 00 158 

9 " N. Y., N. H. & Hartford (25% paid), . 286 61 148 



,246,373 50 

346,096 56 

775,531 32 

12,785 44 



ANY. 

Market Value. 

$1,850 00 

2,370 00 

488 25- 






BERKSHIRE MUTUAL FIRE INSURANCE CO. 



11 



70 shares Old Colony, 

10 " Southern Pacific, common, 

30 " Union Pacific, common, 

8 " Union Pacific, preferred, 
20 " West End Street, preferred, 
30 " West End Street, common, 

Bank Stocks. 
10 shares Falmouth National, . 

7 " First National, Boston, 
10 " First National, Hyannis, Mass., 
15 " First National, Yarmouth, Mass. 

6 " National Shawmut, Boston, 
15 " State National, Boston, 

Miscellaneous Stocks. 
50 shares Massachusetts Real Estate Co., 

State and Municipal Bonds. 
Massachusetts 3^s, 1935, . 
Salem, Mass., 4-|s, 1914, . 
Waltham, Mass., 4£s, 1918, 

Railroad Bonds. 
Atch., Top. & Santa Fe gen. mort. 4s, 1995, 
Boston Elevated 4^s, 1937, 
Boston & Maine 4s, 1942, 
Chicago, Burl. & Quincy 3-Js, 1949, . 
Chicago & Eastern Illinois 6s, 1934, . 
Chicago & Eastern Illinois equip. 4£s, 1912-13, 
Chicago Junction & Union Stock Yards 5s, 1915, 
Chicago & Northwestern 4s, 1926, 
Concord & Montreal 4s, 1920, . 
Fitchburg 4s, 1915, ... 
Illinois Central (Cairo Bridge) 4s, 1950, 
Lake Shore & Michigan Southern 4s, 1928, 
Lake Shore & Michigan Southern 4s, 1931, 
Lynn & Boston 5s, 1924, .... 
New York Cen. (Mich. Cen. col.) 3fa 1998, 
N. Y., N. H. & H. (Har. R. & Port. Div.) 4s, 1954 
N. Y., N. H. & Hartford convertible 3£s, 1956, 
N. Y., N. H. & H. conv. deb. cert. 6s, 1948, 
Oregon Short Line 5s, 1946, 
Terminal Association of St. Louis 4^s, 1939, 
United Tr. & El. Co., Providence, R."l., 5s, 1933, 
West End Street 4s, 1917, 

Miscellaneous Bonds. 
American Telephone & Tel. Co. 4s, 1929, . 
Illinois Steel Co. 5s, 1910, 

Western Telephone & Telegraph Co. 5s, 1932, 
Yarmouth, Mass., 4s, 1910-13, notes, 



Book Value. 

$7,000 00 

600 00 

3,000 00 

600 00 

2,000 00 

2,500 00 



1,000 
700 

1,000 

1,500 
600 

1,500 



00 
00 
00 
00 
00 
00 



1,000 00 

1,000 00 
2,000 00 
1,000 00 

1,000 00 
1,000 00 

12,000 00 
1,000 00 
1,000 00 
3,000 00 
2,000 00 
5,000 00 
3,000 00 
4,000 00 
2,000 00 
8,000 00 
1,000 00 
1,000 00 
1,000 00 

10,000 00 
1,500 00 
1,000 
1,000 
3,000 
1,000 
3,000 



00 
00 
00 
00 
00 



4,000 00 
1,000 00 
4,000 00 
6,000 00 



Rate. 

198 

137 

206 

104 

215 

189 

100 
371 
135 
135 
331 
182 

18 

97 
103 
104 

100 

108 

99 

90 

126 

99 

101 

100 

100 

100 

100 

96 

95 

106 

80 

101 

102 

134 

113 

107 

106 

100 

93 
100 

98 
100 



Market Value. 
$13,860 00 
1,370 00 
6,180 00 
832 00 
2,150 00 
2,835 00 



1,000 
2,597 
1,350 
2,025 
1,986 
2,730 



00 
00 
00 
00 
00 
00 



.11,286 61 



900 00 

970 00 

2,060 00 
1,040 00 

1,000 00 
1,080 00 

11,880 00 

900 00 

1,260 00 

2,970 00 

2,020 00 

5,000 00 

3,000 00 

4,000 00 

2,000 00 

7,680 00 

950 00 

1,060 00 

800 00 

10,100 00 
1,530 00 
1,340 00 
1,130 00 
3,210 00 
1,060 00 
3,000 00 

3,720 00 
1,000 00 
3,920 00 
6,000 00 

$130,203 25 



BERKSHIRE MUTUAL FIRE INSURANCE COMPANY, PITTSFIELD. 

Incorporated March, 1835. Commenced business August, 1835. 
HENRY R. PEIRSON, President. J. M. STEVENSON, Secretary. 

Income. 

Net premiums, $67,356 93 

Gross interest on mortgages, $588.63 ; stocks and bonds, $7,376.58 ; 

all other, $2, . . 7,967 21 

Gross profit on sale or maturity of bonds, . . . . 120 00 

Dividends on reinsurance, . . . . . . . 1,112 05 



Total income, 
Ledger assets, Dec. 31, 1908, 



$76,556 19 
164,186 31 



Total, . 



$240,742 50 



12 



BEKKSHIRE MUTUAL FIRE INSURANCE CO, 



Disbursements. 

Net amount paid policy holders for losses, 

Expenses of adjustment and settlement of losses, 

Dividends to policy holders, . 

Commissions or brokerage, 

Agency expenses, .... 

Salaries, fees, etc., of officers and employees, 

Rents, ..... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, .... 

Furniture and fixtures, . 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, . 

Gross loss on sale of stocks, 

Gross decrease in book value of stocks and bonds, 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Agents' balances and office premiums, 



$28,714 43 

536 41 

18,892 64 

9,530 59 

116 64 

5,907 49 

600 00 

820 20 

504 79 

183 34 

438 67 

162 09 

258 14 

68 22 

388 02 

718 35 

261 50 

304 00 

471 00 

760 42 

$69,636 94 

$171,105 56 



$12,800 00 

145,169 04 

773 12 

2,889 54 

9,473 86 



Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on bonds, .... 
Market value of stocks and bonds over book value, 



$171,105 56 

480 82 
26,713 96 



Gross assets, ...... 

Liabilities. 
Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Due for reinsurance, ..... 



$198,300 34 



$250 00 
95,949 02 
763 13 
365 93 
318 95 
360 49 



Total, . 
Surplus to policy holders, 



$98,007 52 
100,292 82 



Total liabilities and surplus, 



$198,300 34 



BERKSHIRE MUTUAL FIRE INSURANCE CO. 



13 



In force Dec. 31, 1908, . 
Written during the year,- 

Total, . . ■ . 

Expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

. $13,671,965 00 
5,872,321 00 



Cash Preni's. 

$194,933 38 
77,496 53 



Conting't Prem's. 

$194,933 38 
77,496 53 



$19,544,286 00 
4,676,927 00 

$14,867,359 00 
1,374,620 00 

$13,492,739 00 



$272,429 91 $272,429 91 
67,379 12 67,379 12 



$205,050 79 $205,050 79 
1S,000 26 



$187,050 53 



Miscellaneous. 

Net premiums received from organization of company, . . $1,234,625 51 

Net losses paid from organization of company, . . . 491,946 98 

Cash dividends paid policy holders from organization of company, 434,372 55 
Losses incurred during the year, ...... 25,925 38 

Dividends to policy holders during 1909, 20, 30 and 40 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
10 shares Baltimore & Ohio, preferred, 
100 " ' Boston & Albany, . 
50 " Chic., St. P., Minn. & Omaha, com., 
80 " New York Central & Hudson River, 
60 rights New York Central & Hudson River, 
30 shares Pennsylvania, ., 

$^i Bank Stocks. 
10 shares Agricultural National, Pittsfield, 
10 " First National, Adams, 
4 " Lee National, . 
10 " Lenox National, 
10 " North Adams National, 
58 " Pittsfield National, . 
12 " Third National, Pittsfield, 

Miscellaneous Stocks. 
100 shares Adams Express Co., 
100 " American Telephone & Tel. Co., 

Municipal Bonds. 
Pittsfield/Mass., note, 4-Js, 1909, 
Pittsfield, jMass., note, 4Js, demand, . 

Railroad Bonds. 
Baltimore & Ohio prior lien 3^s, 1925, 
Chic, Burl. & Quincy (111. Div.) 3£s, 1949, 
Chicago & Northwestern 5s, 1929, 
Chic, R. I. & Pac 1st ref. mort. 4s, 1934, . 
Greenfield & Turners Falls Street 5s, 1916, 
Northern Maine Seaport 5s, 1935, 
Old Colony Street 4s, 1954, 
St. Paul & Sioux City, 1st mort. 6s, 1919, . 
Third Avenue, New York, 4s, 2000, . 
United Tr. & El. Co., Providence, R. I., 5s, 1933, 

Miscellaneous Bonds. 
Adams Express Co. 4s, 1947, 
American Telephone & Telegraph Co. 4s, 1929, 
Binghamton Light, Heat & Power Co. 5s, 1942, 
Western Union Telegraph Co. 4£s, 1950, 



Book Value. 


Rate. 


Market Value. 


S913 


78 


92 


$920 00 


15,305 


20 


230 


23,000 00 


6,829 


37 


155 


7,750 00 


12,126 


11 


127 


10,160 00 






6 


360 00 


1,796 


25 


137 


2,055 00 


2,000 


00 


350 


3,500 00 


1,337 


50 


100 


1,000 00 


704 


00 


168 


672 00 


1,020 


00 


150 


1,500 00 


1,250 


00 


125 


1,250^00 


10,145 


50 


175 


10,150 00 


1,500 


00 


238 


2,856 00 


11,061 


25 


250 


25,000 00 


12,129 


75 


143 


14,300 00 


2,000 


00 


100 


2,000 00 


1,200 


00 


100 


1,200 00 


1,950 


00 


93 


1,860 00 


1,000 


00 


90 


900 00 


4,496 


25 


109 


4,360 00 


4,312 


50 


91 


4,550 00 


4,085 


00 


101 


4,040 00 


5,387 


50 


107 


5,350 00 


4,100 


00 


88 


4,400 00 


1,270 


00 


115 


1,150 00 


4,862 


50 


69 


3,450 00 


4,570 


00 


106 


4,240 00 


10,500 


00 


92 


13,800 00 


10,090 


33 


93 


9,300 00 


1,970 


00 


98 


1,960 00 


5,256 


25 


97 


4,850.00 


$145,169 


04 


$171,883100 



14 BOSTON MANUFACTURERS' MUTUAL FIRE INSURANCE CO. 



BOSTON MANUFACTURERS' MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

Incorporated March 15, 1850. Commenced business Oct. 15, 1850. 
JOSEPH P. GRAY, President. FRANCIS E. ROBINSON, Secretarrj. 

Office, 31 Milk Street. 

Income. 
Net premiums, ........ 

Gross interest on bonds, $80,588.05; bank deposits, $1,531.26, 
Gross profit on sale or maturity of bonds, 



$2,255,044 71 
82,119 31 
16,674 88 



Total income, ...... 

Ledger assets, Dec. 31, 1908, ..... 

Total, 

Disbursements. 

Net amount paid policy holders for losses, 
Dividends to policy holders, ..... 

Salaries, fees, etc., of officers and employees, . 
Rents, ......... 

Printing and stationery, ..... 

Postage, telegrams, telephone and express, 
Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Fire department, patrol and salvage corps fees and taxes, 
Inspections and surveys, ..... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Gross decrease in book value of bonds, 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 

Book value of bonds (schedule A), . 

Cash in office, ....... 

Deposits in trust companies and banks on interest, . 
Premiums in course of collection, .... 

Total ledger assets, ..... 

Non-Ledger Assets. 

Interest due and accrued on bonds, 
Market value of bonds over book value, . 

Gross assets, ....... 

Liabilities. 
Unpaid losses, ....... 

Unearned premiums on outstanding risks, 



$2,353,838 90 
2,023,510 41 

$4,377,349 31 



$51,366 09 

1,962,704 35 

47,037 50 

3,414 00 

5,701 72 

4,413 19 

1,857 64 

6,628 78 

203 98 

29,955 74 

23,006 20 

30 00 

16,674 88 

6,796 37 

$2,159,790 44 

$2,217,558 87 



$2,153,168 31 

. 417 81 

49,717 71 

14,255 04 

$2,217,558 87 



31,906 25 
26,121 69 

$2,275,586 81 



$2,222 25 
1,118,254 35 



BOSTON MANUFACTURERS MUTUAL FIRE INSURANCE CO. 



15 



Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 

Total, 

Surplus to policy holders, ..... 

Total liabilities and surplus, .... 



$900 00 
30,005 89 

51,151,382 49 
1,124,204 32 

12,275,586 81 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 



Risks and Premiums. 

Risks. Cash Prem's. Conting't Prem's. 

. $275,072,082 00 $2,056,824 13 $10,284,120 65 
. 315,616,784 00 2,316,812 94 11,584,064 70 



$590,688,866 00 $4,373,637 07 $21,868,185 35 
288,010,794 00 2,137,128 38 10,685,641 90 



$302,678,072 00 $2,236,508 69 $11,182,543 45 



Miscellaneous. 
Net premiums received from organization of company, . $35,631,850 62 

Net losses paid from organization of company, . . 4,928,670 08 

Cash dividends paid policy holders from organization of company, 27,207,536 74 
Losses incurred during the year, ...... 48,360 81 

Dividends to policy holders during 1909, 94.57 per cent. 



Schedule A. Bonds owned by the Company. 



State Bonds. 
Massachusetts 3£s, 1935-38, . . 

Massachusetts 3s, 1939, .... 
Massachusetts 3s, 1927, .... 
Massachusetts 3s, 1941, .... 

Railroad Bonds. 
Boston & Albany 4s, 1913, 

Boston, Clinton, Fitch. & New Bedford 5s, 1910, 
Boston Elevated 4-Js, 1937, 
Boston & Lowell 4s, 1916, 
Boston & Maine 4^s, 1944, 
Boston & Maine 4s, 1926, 
Boston & New York Air Line 4s, 1955, 
Chicago, Burlington & Quincy 4s, 1958, 
Chicago, Milwaukee & St. Paul 4s, 1934, 
Chicago, Rock Island & Pacific 4s, 1988, 
Chicago & Western Indiana 4s, 1952, 
Concord & Montreal 4s, 1920, 
Delaware & Hudson 4s, 1943, 
Dutchess County 4^s, 1940, 
Fitchburg 3^s, 1921, 
Illinois Central 4s, 1952, . 
Illinois Central 4s, 1955, 
Long Island refunding 4s, 1949, 
Michigan Central notes, 5s, 1910, 
Michigan Central (Joliet & N. Ind. Div.) 4s, 1957 
New York Central & Hudson River 4s, 1934, 
N. Y. Cen. & Hud. Riv. (Lake Sh.) 3£s, 1998, 
New York, New Haven & Hartford 3^s, 1947, 
New York, New Haven & Hartford 4s, 1914, 
New York, New Haven & Hart. conv. 6s, 1948, 
New York, New Haven & Hartford 5s, 1912, 
N. Y., Phila. & Norfolk 1st mort. 4s, 1939, 
Nor. Pac.-Gt. Nor. (C, B. & Q.) 4s, 1921, . 
Old Colony 4s, 1924-38, .... 
Pennsylvania Co. guaranteed 4^s, 1921, 
Pennsylvania Co. trust certificates 3£s, 1916, 
Pennsylvania convertibles 3^s, 1915,". 



Book Value. 

$197,970 09 

44,215 00 

32,074 00 

13,198 50 

50,000 00 
50,000 00 
50,000 00 
49,877 50 
50,000 00 
48,000 00 
35,000 00 
47,750 00 
23,750 00 
20,000 00 
48,500 00 
25,000 00 
25,000 00 
42,000 00 
37,850 00 
30,000 00 
50,000 00 
49,500 00 
24,531 25 
49,375 00 
78,500 00 
72,600 00 
20,000 00 
68,550 00 
50,000 00 
40,000 00 
18,000 00 
47,593 75 
100,000 00 
29,781 25 
32,259 47 
48,125 00 



Rate. 
97 

88 
91 

87 

100 

100 

108 

100 

107 

99 

100 

100 

94 

99 

94 

100 

100 

103 

95 

102 

99 

99 

100 

99 

96 

81 

87 

99 

134 

102 

99 

97 

100 

104 

97 

97 



Market Value. 

$194,000 00 
44,000 00 
31,850 00 
13,050 00 

50,000 00 
50,000 00 
54,000 00 
50,000 00 
53,500 00 
49,500 00 
35,000 00 
50,000 00 
23,500 00 
19,800 00 
47,000 00 
25,000 00 
25,000 00 
43,260 00 
38,000 00 
30,600 00 
49,500 00 
49,500 00 
25,000 00 
49,500 00 
76,800 00 
64,800 00 
17,400 00 
69,300 00 
67,000 00 
40,800 00 
17,820 00 
48,500 00 
100,000 00 
31,200 00 
32,010 00 
48,500 00 



16 



BRISTOL COUNTY MUTUAL FIRE INSURANCE CO. 



Pennsylvania 4s, 1948, .... 
Pennsylvania notes, 5s, 1910, 
Philadelphia, Wilmington & Baltimore 5s, 1910, 
Rome, Watertown & Ogdensburgh 5s, 1922, 
Terminal Association of St. Louis 4s, 1953, 
United New Jersey R.R. & Canal 4s,. 1944, 
West End Street 4£s, 1914, 
West Shore 4s, 2361, 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 



Book Value. 


Rate. 


Market Value. 


$29,800 00 


104 


$31,200 00 


15,000 00 


100 


15,000 00 


40,000 00 


100 


40,000 00 


50,000 00 


109 


54,500 00 


49,000 00 


98 


49,000 00 


50,000 00 


104 


52,000 00 


50,000 00 


102 


51,000 00 


46,000 00 


102 


51,000 00 


124,367 50 


93 


120,900 00 


$2,153,168 31 


$2,179,290 00 



BRISTOL COUNTY MUTUAL FIRE INSURANCE COMPANY, 

NEW BEDFORD. 

Incorporated Feb. 13, 1829. Commenced business July 4, 1829. 
EDWARD F. POTTER, President. GEO. N. ALDEN, Secretary. 

[Note. — This company takes deposit notes from its members and makes an assessment when the 
note is issued for paying current expenses.] 

Income. 

Net premiums, $853 23 

Gross interest on bank deposits, ...... 80 80 



Total income, ...... 

Ledger assets, Dec. 31, 1908, ..... 

Total, 

Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, ..... 

Salaries, fees, etc., of officers and employees, . 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

State taxes on premiums, ..... 

Reinsurance, ....... 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Unpaid premiums, ...... 

Total ledger assets, ..... 

Liabilities. 
State, county and municipal taxes, due or accrued, . 



$934 03 
3,221 52 



$4,155 55 



$636 75 


5 71 


46 38 


675 64 


129 86 


10 80 


10 22 


2,232 00 


24 60 


$3,771 96 



$383 59 

$11 51 

27 58 

300 00 

44 50 


$383 59 



-SI Oc 



CAMBRIDGE MUTUAL FIRE INSURANCE CO. 



Risks and Premiums. 



In force Dec. 31. 190S. . 
Written during the year. 

Total. . 
Expired and terminated. 

In force at end of year. 
Deduct amount reinsured. 



Miscellaneous. 



Losses incurred during the year. 



Risks. Conting't Prem'*. 

-S1.199.7S0 00 179,109 00 
140.350 00 8,848 00 



SI. 340.130 00 
222.530 00 

SI. 117.600 00 
1.117.600 00 



$87,057 00 

13.572 00 

S74.3S5 00 
74.3S5 00 



- 56 75 



CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY, CAMBRIDGE. 

Incorporated March 13. 1833. Commenced business Jan. 1. 1S34. 
GILBERT A. A. PEYEY. President. WILLL\Al E. BURRAGE. Secretary. 

Income. 
Xet premiums. ........ 18,572 25 

Gross interest on mortgages. S1S9.59 : -tocks. S75 : bank deposits 
S14.99: gross rents, including $900 for company's own occu- 
pancy. SS. 377.51 . . 8,657 09 

Dividends on reinsurance. ....... 1.495 46 

Reinsurance on loss. ........ 700 00 



Total income. ..... 

Ledger assets. Dec. 31. 1908, 

Total 

Disbursements. 

Xet amount paid policy holders for losses. 
Expenses of adjustment and settlement of losses 
Dividends to policy holders. . 
Commissions or brokerage. 

ries. fees. etc.. of officers and employees. 
Rents, for company's own occupancy. 
Advertising, printing and stationery. 
Postage, telegrams, telephone and express, 
Maps, including corrections. . 
Underwriters' boards and tariff associations 
Repairs and expenses on real estate. 
Taxes on real estate. .... 
State taxes on premiums, 
Borrowed money repaid. 
Interest on borrowed money. 
Agents' balances charged off. 
Reinsurance return premium and commission. 
Reinsurance. ..... 

Total disbursements. 

Balance. ..... 



S19.424 80 
42.9S4 86 



162,409 


66 


S35 


00 


14 


50 


21 


11 


955 


66 


4.415 


58 


900 


00 


130 


04 


354 S3 


83 


47 


262 


27 


2.570 


28 


106 


90 


10 


27 


5.000 


00 


2.771 


45 


206 


35 


221 


56 



, D - 0-' 



$18,816 " 



S43.592 ^7 



18 



CAMBRIDGE MUTUAL FIRE INSURANCE CO. 



Ledger Assets. 

Book value of real estate, less mortgages thereon, 

Book value of stocks (15 shares National City Bank, Cambridge), 

Cash in office, ......... 

Deposits in trust companies and banks on interest, . 
Agents' balances, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 

Rents due and accrued on company's property, 

Due from New England Telephone and Telegraph Company, 



Gross assets, ...... 

Assets not admitted. 

Agents' balances over three months due, . 
National City Bank, Cambridge, stock, . 

Admitted assets, ..... 



Liabilities. 

Unearned premiums on outstanding risks, 
Interest due or accrued on borrowed money, . 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued. 
Due for return premiums, .... 

Borrowed money, ...... 

Contingent liability on National City Bank, Cambridge, stock, 

Total, ......... 

Surplus to policy holders, ...... 

Total liabilities and surplus, ..... 



$35,252 52 

1,500 00 

141 35 

1,139 00 

5,560 00 



• 


$43,592 87 


pany, 


436 66 
62 20 


• 


$44,091 73 


$197 42 
1,500 00 


1,697 42 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$13,098,430 00 
1,309,713 00 



Cash Prem's. 

$180,697 67 
9,892 62 



$14,408,143 00 
5,156,785 00 

$9,251,358 00 
8,089,675 00 

$1,161,683 00 



$190,590 29 
76,004 29 

$114,586 00 
105,830 05 

$8,755 95 



$42,394 31 



$7,891 72 

353 28 

143 29 

971 08 

2,247 36 

112 43 

8,268 00 

1,500 00 

$21,487 16 
20,907 15 

$42,394 31 



Conting't Prem's. 

$180,697 67 
9,892 62 

$190,590 29 
76,004 29 

$114,586 00 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends paid policy holders from organization of company, 

Losses incurred during the year, ...... 



$2,183,474 45 

910,016 60 

867,719 80 

35 00 



CITIZENS MUTUAL INSURANCE CO. 



19 



CITIZENS' MUTUAL INSURANCE COMPANY, BOSTON. 

Incorporated March 7, 1846. Commenced business Oct. 6, 1846. 
GEO. W. HINKLEY, President. CHARLES F. BOWERS, Secretary. 

Office, 141 Milk Street. 

Income. 
Net premiums, ......... 

Gross interest on mortgages, $2,737.89; collaterals, $60; stocks 

and bonds, $1,174.09; bank deposits, $112.98; gross rents, 

$864.33, 

Gross increase in book value of bonds, 
Commissions on reinsurance, 
Dividends on reinsurance, 
From all other sources, . 

Total income, 
Ledger assets, Dec. 31, 1908, 

Total, . 

Disbursements. 



Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 

Salaries, fees, etc., of officers and employees, . 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, . 

Fire department, patrol and salvage corps fees and 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Gross decrease in book value of bonds, 

Borrowed money repaid, 

Interest on borrowed money, 

Uncollected premiums charged off, . 

All other disbursements, 

Total disbursements, . 

Balance, .... 

Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Premiums in course of collection, . 

Total ledger assets, .... 



taxes, 



$22,437 04 


4,949 29 
216 50 


10,867 86 
1,613 26 


1 64 


$40,085 59 
110,534 00 


$150,619 59 


$8,545 51 
238 35 


23,702 90 
6,953 97 
1,600 03 

378 08 


520 37 


200 00 


332 11 


86 64 


182 86 


83 07 


303 48 


821 96 


541 20 


205 40 


214 25 


92 50 


8,600 00 
246 38 


5 86 


1,092 29 


$54,947 21 


$95,672 38 


$21,164 39 
31,200 00 
2,379 21 
30,983 75 
1,649 24 
4,729 30 
3,566 49 


$95,672 38 



20 



CITIZENS MUTUAL INSURANCE CO. 



Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $445.81; bonds, $423.54; collateral loans, $35.89, 
Rents due and accrued on company's property, 
Market value of real estate over book value, 
Due from other companies, ...... 

Gross assets, . . . . 

Assets not admitted. 
Book value of stocks and bonds over market value, . 

Admitted assets, ....... 

Liabilities. 

Unpaid losses, $1,156.50; less reinsurance, $865.10, . 
Unearned premiums on outstanding risks, 
Dividends due policy holders, ..... 

Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for return premiums, ...... 

Total, ......... 

Surplus to policy holders, ...... 

Total liabilities and surplus, ..... 



$905 24 

96 47 

219 61 

86 05 


$96,979 75 



1,013 75 



$95,966 00 


$291 


40 


43,910 


72 


1,583 


21 


90 62 


1,346 


30 


88 


59 


617 


66 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$27,907,115 00 
5,686,780 00 



Cash Prem's. 

$376,185 44 
69,374 99 



$33,593,895 00 
7,402,551 00 

$26,191,344 00 
19,250,691 00 

$6,940,653 00 



$445,560 43 
104,377 21 

$341,183 22 
251,067 92 

$90,115 30 



$47,928 50 
48,037 50 

$95,966 00 



Conting't Prem's. 

$376,185 44 
69,374 99 

$445,560 43 
104,377 21 

$341,183 22 



Miscellaneous. 

Net premiums received since 1855, ...... 

Net losses paid since 1855, ....... 

Cash dividends paid policy holders since 1855, .... 

Losses incurred during the year, ..... 

Dividends to policy holders during 1909, 10, 12^, 15, 22^, and 
30 per cent. 

Schedule A. Securities held as Collateral. 

Company's 
Market Value. 



$2,887,006 77 

1,015,999 51 

1,413,400 78 

8,691 37 



10 shares Natick National Bank, 
Endowment policy, ^Etna Life, 



$1,750 00 
1,508 00 



Loaned 
Thereon. 

$1,200 00 
1,179 21 



$3,258 00 



$2,379 21 



COTTON AND WOOLEN MANUFACTURERS INSURANCE CO. 



21 



Schedule B. Stocks and Bonds 

Miscellaneous Stocks. 
35 shares Massachusetts Electric Co., preferred. . 

Railroad Bonds. 
Canadian Northern equipment -i^s. 1912. 
Chicago. Indiana «!t Southern 1st -is. 1956. . 
Cin.. Hamilton cV: Davton gen. mort. 4^s. 1939 
Fhnt ft Pere Marquette 6s7 1920. 
Flint it Pere Marquette (Pt. Huron Div.) 5s, 1939 
Interboro Rapid Transit 5s. 1952. 
N. Y. City Ry. £ Met. St. Ry. rec. cert. -i^s. 1910. 
New York. New Haven «5c Hartford 4s. 19-47. 

Miscellaneous Bonds. 
Westinshouse Electric & Mfg. Co. 5s. 1931. 



OWNED BY THE COMPANY. 

Book Value. Rate. Market Value. 

■S2.9S3 75 SO $2,800 00 



2.000 00 


99 


1.9S0 00 


2.000 00 


95 


1.900 00 


2.000 00 


64 


1.2S0 00 


1.000 00 


111 


1.110 00 


5.000 00 


107 


5.350 00 


2.000 00 


104 


2.0S0 00 


3.000 00 


100 


3.000 00 


6,000 00 


97 


5.S20 00 


5,000 00 


93 


4.650 00 


-S30.953 75 


$29,970 00 



COTTON AXD WOOLEN MANUFACTURERS" MUTUAL INSURANCE 
COMPANY OF NEW ENGLAND. 

Incorporated Oct. 19. 1S75. Commenced business Oct. 20, 1875. 
WILLIAM B. PLUNKETT, President. BENJAMIN TAFT. Secretary. 

Office . SI Milk Street, Boston. 

Income. 

Net premiums S4S3.97S 68 

Gross interest on bonds. $15.171.11 : bank deposits. SI. 102.60. . 16.273 71 



Total income. ..... 

Ledger assets. Dec. 31. 190S 

Total 

Disbursements. 

Net amount paid policy holders for losses. 

Expenses of adjustment and settlement of losses 

Dividends to policy holders. . 

Salaries of special agents. 

Salaries, fees. etc.. of officers and employees. 

Rents. ....... 

Advertising, printing and stationery. 

Postage, telegrams, telephone and express. 

Underwriters' boards and tariff associations. 

Fire department, patrol and salvage corps fees and taxes 

Inspections and surveys. 

State taxes on premiums. 

Insurance department licenses and fees. 

Other licenses, fees and taxes. 

Gross decrease in book value of bonds. 

Premiums for 1909 paid in 190S. . 

Traveling expenses. 

All other disbursements. 

Total disbursements. 

Balance. .... 



$500,252 39 
407,368 53 

8907.620 92 



S23.9S9 02 

79 52 

408,718 17 

212 42 

15.72S 93 

1.367 17 

1.34S 00 

S74 86 

99 26 

1S9 81 

13,355 88 

5,606 99 

58 00 

130 49 

4.313 75 

3.969 19 

1.465 54 

S74 92 

1482,381 92 

8425.239 00 



22 COTTON AND WOOLEN MANUFACTURERS' INSURANCE CO. 



Ledger Assets. 

Book value of bonds (schedule A), $363,173 75 

Cash in office, ......... 548 70 

Deposits in trust companies and banks on interest, . . . 47,673 82 

Premiums in process of collection, ...... 13,842 73 



Total ledger assets, . $425,239 00 

Non-Ledger Assets. 
Interest due and accrued on bonds, ..... 5,414 56 



Gross assets, ......... $430,653 56 

Assets not admitted. 
Book value of bonds over market value, ..... 2,413 75 



Admitted assets, $428,239 81 

Liabilities. 

Unpaid losses, . . . $4,008 65 

Unearned premiums on outstanding risks, 241,148 98 

Salaries, expenses and accounts, due or accrued, . . 328 70 

State, county and municipal taxes, due or accrued, . . 7,396 45 

Total, $252,882 78 

Surplus to policy holders, ....... 175,357 03 



Total liabilities and surplus, $428,239 81 

Risks and Premiums. 

Risks. Cash Prem's. Conting't Prem's. 

In force Dec. 31, 1908, . . $56,629,372 00 $502,701 77 $2,513,508 85 

Written during the year, . 58,517,335 00 507,137 93 2,535,689 65 



Total, .... $115,146,707 00 $1,009,839 70 $5,049,198 50 
Expired and terminated, . 60,146,745 00 527,541 74 2,637,708 70 

In force at end of year, . $54,999,962 00 $482,297 96 $2,411,489 80 

Miscellaneous. 

Net premiums received from organization of company, . . $8,266,990 63 

Net losses paid from organization of company, . . . 1,647,025 31 

Cash dividends paid policy holders from organization of company, 5,480,394 25 
Losses incurred during the year, ...... 24,590 22 

Dividends to policy holders during 1909, 81.04 per cent. 

Schedule A. Bonds owned by the Company. 

State and Municipal Bonds. 
Fall River, Mass., 3$s, 1915, .... 
Massachusetts 3-Js, 1933, ..... 

Railroad Bonds. 
Atch., Topeka & Santa Fe" (E. Okla. Div.) 4s, 1928, 
Bangor & Aroostook 5s, 1943, . 
Bangor & Aroostook cons. mort. 4s, 1951, 
Boston Elevated 4s, 1935, 
Boston & Lowell 3*s, 1919, 
Boston & Maine 4s, 1926, 



Book Value. 


Rate. 


Market Value. 


$20,000 00 


99 


$19,800 00 


18,000 00 


97 


17,460 00 


6,875 00 


97 


6,790 00 


15,000 00 


112 


16,800 00 


4,250 00 


84 


4,200 00 


6,000 00 


100 


6,000 00 


10,000 00 


96 


9,600 00 


9,643 75 


99 


9,900 00 






DEDHAM MUTUAL FIRE INSURANCE CO. 



23 



Boston & New York Air Line 4s ; 1955, 

Chicago & Eastern Illinois equip, trust 4-g-s, 1914, 

El Paso & Rock Island 5s, 1951, 

Fitchburg 4s, 1927, .... 

Lake Shore & Michigan Southern 4s, 1931, 

Lynn & Boston 5s, 1912, . 

Maine Central 5s, 1923, 

Maine Central 4|s, 1916, . 

Maine Central 4s, 1912, . 

Maryland, Delaware & Virginia 5s, 1955, 

Michigan Central 3^s, 1952, 

N. Y. Cen. & Hud. R. (Lake Shore col.) 3$s, 1998 

New York, Chicago & St. Louis 4s, 1931, . 

New York, New Haven & Hartford 4s, 1955, 

New York, New Haven & Hartford 4s, 1914, 

Northern Maine Seaport 5s, 1935, 

Nor. Pac.-Gt. Nor. (C, B. & Q.) 4s, 1921, . 

Pennsylvania convertible 3^s, 1915, . 

Richmond- Washington 4s, 1943, 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, . 
American Writing Paper Co. 5s, 1919, 
New England Telephone & Telegraph Co. 4s, 1930, 
New England Telephone & Telegraph Co. 5s, 1919, 
Western Union Telegraph Co. 4^s, 1950, 



Book Value. 
$4,000 00 

4,937 50 

5,000 00 
18,000 00 
14,790 00 
10,000 00 
10,000 00 
16,000 00 

3,000 00 
15,000 00 

1,960 00 
14,925 00 

9,262 50 
20,000 00 

2,980 00 

20,000 00 

10,730 00 

945 00 

9,000 00 

19,875 00 
5,000 00 
28,000 00 
10,000 00 
20,000 00 

$363,173 75 



Rate. 

100 

99 

105 

99 

95 

101 

109 

103 

100 

100 

89 

81 

92 

97 

99 

107 

97 

97 

100 

93 
88 
94 
103 
97 



Market Value. 
$4,000 00 

4,950 00 

5,250 00 
17,820 00 
16,150 00 
10,100 00 
10,900 00 
16,480 00 

3,000 00 
15,000 00 

1,780 00 
12,150 00 

9,200 00 
19,400 00 

2,970 00 

21,400 00 

10,670 00 

970 00 

9,000 00 

18,600 00 
4,400 00 
26,320 00 
10,300 00 
19,400 00 

$360,760 00 



DEDHAM MUTUAL FIRE INSURANCE COMPANY, DEDHAM. 

Incorporated Feb. 22, 1837. Commenced business July 1, 1837. 
JAMES Y. NOYES, President. THEODORE T. MARSH, Secretary. 

Income. 

Net premiums, . $37,647 67 

Gross interest on mortgages, $1,980; stocks and bonds, $5,732.32 

bank deposits, $178.55, 7,890 87 

Gross profit on sale of bonds, . . . . . . 100 00 

Gross increase in book value of stocks and bonds, . . . 7,678 97 

Commissions returned, . . . . . . . . 173 76 

From all other sources, ........ 159 88 



Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 
Commissions or brokerage, 
Agency expenses, ..... 

Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 



$53,651 15 
173,161 58 



$226,812 73 


$7,204 17 


152 


93 


17,708 


79 


5,877 


91 


22 


51 


4,237 


23 


270 00 


667 


67 


221 


53 


49 


95 


209 48 


80 


95 


14 


00 


360 68 



24 



DEDHAM MUTUAL FIRE INSURANCE CO. 



Gross decrease in book value of stocks and bonds, 
Agents' balances charged off, ..... 
All other disbursements, ..... 

Total disbursements, ..... 

Ba'ance, ....... 

Ledger Assets. 

Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances. ....... 

Total ledger assets, ..... 

Non-Ledger Assets. 

Interest due and accrued on: — 
Mortgages, $554.65; bonds, $1,549.32, 
Market value of stocks and bonds over book value, . 

Gross assets, ....... 

Asskts not ADMITTED. 

Agents' balances over three months due, 

Admitted assets, ...... 



Liabilities. 

Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, . 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Borrowed money, ...... 

Total, ....... 

Surplus to policy holders, .... 

Total liabilities and surplus, . • . 



$13,733 05 
18 14 
85 09 

$50,914 08 

$175,898 65 



$33,800 00 

130,598 42 

179 28 

1,071 25 

8,346 09 

1,903 61 

$175,898 65 



2,103 97 
9,895 58 

$187,898 20 



27 13 



$187,871 


07 


$2,012 46 


67,141 


76 


817 


22 


50 00 


98 


23 


128 


68 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 



Risks and Premiums. 

Risks. 

$8,335,471 00 
2,534,500 00 



Cash Prem's. 

$127,326 98 
39,348 53 



$10,869,971 00 
2,307,397 00 



$166,675 51 
36,910 59 



$70,248 35 
117,622 72 

$187,871 07 



Conting't Prem's. 

$127,326 98 
39,348 53 

$166,675 5! 
36,910 59 



$8,562,574 00 $129,764 92 $129,764 92 



Miscellaneous. 

Net premiums received from organization of company (approxi- 
mate), .......... 

Net losses paid from organization of company (approximate), . 



$910,607 81 
325,729 00 



DORCHESTER MUTUAL FIRE INSURANCE CO. 



25 



Cash dividends paid policy holders from organization of company 

(approximate), ......... $335,103 

Losses incurred during the year, . . . . . . 9,216 

Dividends to policy holders during 1909, 25, 50 and 70 per cent. 



75 

68 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
50 shares Atchison, Topeka & Santa Fe, common, 
78 " Atchison, Top. & Santa Fe, preferred, . 
50 " Union Pacific, preferred, 

Bank Stocks. 
12 shares Dedham National, . 

Miscellaneous Stocks. 
39 shares Dedham Water Co., . . . . 

Municipal Bonds. 
Boston, Mass., 4s, 1921, .... 
Fall River, Mass., 4s, 193S, 
Lynn, Mass., 4s, 1919, .... 
New York, N. Y., 4£s, 1957, . 
Salem, Mass., 4s, 1914, .... 

Railroad Bonds. 
Atch., Top. & Santa Fe gen. mortgage 4s, 1995, 
Atch., Top. & Santa Fe adjustment 4s, 1995, 
Boston & Albany 3£s, 1952, 
Boston & Lowell 4s, 1932, 
Boston & Maine 4s, 1926-1937, 
Boston & Maine 4^s, 1944, 

Chic, Burlington & Quincy (111. Div.) 4s, 1949, 
Chicago, Burl. & Quincy gen. mortgage 4s, 1958, 
Fitchburg 4s, 1915, . . . . 

N. Y., N. H. & Hartford 4s, 1947-55, 
N. Y., N. H. & Hartford 3£s, 1954, . 
Old Colony 3fa 1932, 
Philadelphia & Reading 7s, 1911, 
Providence Terminal Co. 1st mort. 4s, 1956, 
Rock I. & Frisco Terminal 1st mort. 5s, 1927, 
St. Johnsbury & Lake Champlain 5s, 1944, 
Union Pacific 4s, 1947, .... 
West End Street 4s, 1916, 



Book Value. 
$5,248 75 
1,679 00 
3,000 00 

1,200 00 

3,900 00 



2,040 
5,131 
3,356 
2,060 
3,240 



00 
25 
25 
00 
00 



6,240 00 
1,720 00 
6,197 50 
10,225 00 
5,597 72 
7,665 00 
7,118 75 
2,000 00 
5,357 50 
9,370 00 
1,950 00 
5,150 00 
5,026 08 
5,087 50 
8,400 00 
7,147 50 
3,423 12 
2,067 50 

$130,598 42 



Rate. 
123 
105 
104 

107 

110 

102 
109 
101 
111 
101 

100 

94 

90 

100 

99 

107 

101 

100 

100 

97 

86 

93 

104 

100 

100 

119 

102 

100 



Market Value. 

$6,150 00 

8,190 00 

5,200 00 

1,284 00 

4,290 00 



2,040 
5,450 
3,030 
2,220 
3,030 



00 
00 
00 
00 
00 



8,000 00 
3,760 00 
5,400 00 
11,000 00 
4,950 00 
6,420 00 
7,070 00 
2,000 00 
5,000 00 
8,730 00 
1,720 
4,650 
5,200 
5,000 
8,000 00 
7,140 00 
3,570 00 
2,000 00 

$140,494 00 



00 
00 
00 
00 



DORCHESTER MUTUAL FIRE INSURANCE COMPANY, BOSTON, 

Incorporated February, 1855. Commenced business July, 1855. 
WILLIAM D. C. CURTIS, President. FREDERICK W. PORTER, Secretary. 

Income. 

Net premiums, ......... 

Gross interest on mortgages, $1,180; stocks and bonds, $10,624.75 ; 
bank deposits, $95.26 ; gross rents, including $800 for company's 
own occupancy, $2,062.50, ....... 

Gross profit on sale or maturity of ledger assets, 

Commission on reinsurance, ....... 

From all other sources, ........ 



$125,379 82 



13,962 51 

4,657 36 

265 86 

221 06 



Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 



$144,486 61 
316,838 02 

$461,324 63 



$70,808 75 

967 66 

57,389 24 



26 



DORCHESTER MUTUAL FIRE INSURANCE CO. 



Commissions or brokerage, 

Agency expenses, ..... 

Salaries, fees, etc., of officers and employees, 

Rents, for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ..... 

Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, .... 

State taxes on premiums, 

Insurance department licenses and fees, . 

Agents' balances charged off, 

Gross decrease in book value of ledger assets, 

Interest on borrowed money, 

All other disbursements, 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Book value of real estate, ..... 
Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, ....... 

Non-Ledger Assets. 
Interest accrued on : — 

Mortgages, $325.51 ; bonds, $225, 

Rents accrued on company's property, ..... 
Market value of stocks and bonds over book value, . 

Gross asse s, ......... 

Assets not admitted. 

Agents' balances over three months due, . . $214 37 

Book value of real estate over market value, . . 6,128 03 

Mortgage loans in excess of appraisal, . . . 1,300 00 



$19,639 86 


53 


42 


12,076 


68 


800 00 


2,092 


13 


870 45 


100 00 


54 


93 


552 


00 


1,116 


10 


256 


31 


1,085 


46 


346 61 


652 


13 


1,335 


22 


142 


25 


2,397 


38 


1,743 


75 


2,297 


49 


723 57 



Admitted assets, 



Liabilities. 



Unpaid losses, including $300 resisted, 
Unearned premiums on outstanding risks, 
Interest due or accrued on borrowed money, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 



$177,501 39 
$283,823 24 



$36,528 03 
23,525 00 

208,892 86 
2,153 84 
3,903 47 
8,820 04 

$283,823 24 



550 51 

50 00 

117,511 14 

$401,934 89 



7,642 40 
$394,292 49 



$4,334 18 

226,663 94 

387 50 

2,217 93 

83 87 



FALL RIVER MANUFACTURERS' MUTUAL INSURANCE CO. 21 

State, county and municipal taxes, due or accrued. . . . $340 44 

Due for return premiums, $769.66 ; reinsurance, 8220.05, . . 989 71 

Borrowed monev 90.000 00 



Total, . ^ $325,017 57 

Surplus to policy holders, ....... 69,274 92 

Total liabilities and surplus, 8394.292 49 

Risks and Premiums. 

Risks. Cash Prem's. ContingH Prem"s. 

In force Dec. 31. 1908, . . 834.343.423 00 $553,386 78 $553,386 78 

Written during the year, . 8,702,530 00 134.027 27 134,027 27 



Total 843.045.953 00 8687.414 05 8687.414 05 

Expired and terminated, . 11,288.988 00 192.524 53 192.524 53 



In force at end of year, . 831,756,965 00 8494.889 52 8494,889 52 

Deduct amount reinsured, . 169,514 00 2,130 93 



Xet amount in force, . 831,587,451 00 8492,758 59 

Miscellaneous. 

Xet premiums received from organization of company, . . 84,860,208 01 

Xet losses paid from organization of company, . . . 2.350.098 61 

Cash dividends paid policy holders from organization of company, 1 .680. 759 1 1 

Losses incurred during the year, ...... 66.711 52 

Dividends to policy holders during 1909, 20, 30 and 40 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 

304 shares Boston <k. Albany, 
56 " Boston & Lowell, 
75 " Boston & Maine, 

273 " Old Colony, .... 

Bank Stocks. 
67 shares Blue Hill National, Milton, 

305 ••' International Trust Co.. Boston. 

Miscellaneous Stocks. 
292 shares Amer. Telephone & Telegraph Co., 

Miscellaneous Bondz. 
United Lead Co. 5s, 1943, 



Book Value. 


Rate. 


Market Value. 


$39,758 59 

7,378 57 
10.S56 07 
37,430 02 


230 
229 
149 
198 


S69.920 00 
12.824 00 
11.175 00 
54,0-54 00 


7.642 50 
55,688 06 


125 
400 


8,375 00 

122,000 00 


37,892 50 


143 


41,756 00 


12,246 55 


70 


6.300 00 


S208.892 86 


8326.404 00 



FALL RIVER MANUFACTURERS' MUTUAL INSURANCE COMPANY, 

FALL RIVER. 

Incorporated Feb. 11, 1870. Commenced business May 1, 1870. 
CHAS. 8. WARING, President. JAMES W. BBIGHAM, Secretory. 

Income. 

Net premiun $708,683 83 

Gross interest on bonds, $26,634.45: bank deposits, §1,235.77. 27,870 22 

Gross profit on sale of bonds, 1. 049 00 



Total income, 8737.603 05 

Ledger assets, Dec. 31, 1908, 684,672 97 

Total, 81.422.276 02 



28 



FALL RIVER MANUFACTURERS' MUTUAL INSURANCE CO. 



Disbursements 
Net amount paid policy holders for losses, 
Dividends to policy holders, . 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, . 

Gross decrease in book value of bonds, 

All other disbursements, 

Total disbursements, 

Balance, ..... 

Ledger Assets. 

Book value of bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Premiums in course of collection, 

Total ledger assets, .... 

Non-Ledger Assets. 

Interest accrued on : — 
Bonds, $9,589.16; other assets, $113.52, . 
Market value of bonds over book value, . 

Gross assets, ...... 

Liabilities. 

Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, 

Surplus to policy holders, .... 

Total liabilities and surplus, 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 



Risks and Premiums. 

Risks. 

. $84,921,493 00 
97,893,414 00 



Cash Prem's. 

$650,716 74 
733,745 85 



$182,814,907 00 $1,384,462 59 
90,007,788 00 683,983 16 



$18,049 31 

627,720 32 

10,366 66 

888 00 

514 38 

673 96 

33 13 

11,294 64 

7,163 27 

31 00 

4,495 00 

410 40 

$681,640 07 

$740,635 95 



$684,253 62 

92 03 

47,253 77 

9,036 53 

$740,635 95 



9,702 68 
7,106 38 

$757,445 01 



$1,300 75 

350,239 72 

26 86 

9,420 55 

$360,987 88 
396,457 13 

$757,445 01 



Conting't Prem's. 

$3,253,583 70 
3,668,729 25 

$6,922,312 95 
3,419,915 80 



$92,807,119 00 $700,479 43 $3,502,397 15 



FITCHBURG MUTUAL FIRE INSURANCE CO. 



29 



Miscellaneous. 

Net premiums received from organization of company, . $10,343,179 24 

Net losses paid from organization of company, . . 1,444,226 55 

Cash dividends paid policy holders from organization of company, 7,962,106 17 

Losses incurred during the year, . . . . . . 17,192 59 

Dividends to policy holders during 1909, 95.264 per cent. 

Schedule A. Bonds owned by the Company. 

Municipal Bonds. 
Boston, Mass., 4s, 1913, .... 
Cleveland, O., 4s, 1923, .... 
Newport, R. I., 4s, 1923, .... 
Taunton, Mass., 4s, 1922, 

Railroad Bonds. 
Atchison, Topeka & Santa F6 gen. 4s, 1995, 
Boston & Maine 4s, 1942, 
Boston & Providence 4s, 1918, . 
Canada Southern (extended) 6s, 1913, 
Chic, Burl. & Quincy (Neb. Ex.) 4s, 1927, 
Chicago, Milwaukee & St. Paul 4s, 1934, 
Concord & Montreal 1st 4s, 1920, 
Erie (Pennsylvania col.) 4s, 1951, 
Lake Shore & Michigan Southern 4s, 1928, 
Lake Shore & Michigan Southern 4s, 1931, . 
Long Island refunding 4s, 1949, 
New York Central & Hudson 4s, 1934, 
New York, New Haven & Hartford 4s, 1956, 
N. Y., N. H. & Hartford notes, 4^s, 1911, . 
Nor. Pac.-Gt. Nor. joint (C. B., & Q.) 4s, 1921, 
Old Colony 4s, 1938, .... 

Pennsylvania convertible 3^s, 1915, . 
Pennsylvania collateral 5s, 1910, 
Philadelphia, Wilmington & Baltimore 4s, 1932, 
Pittsburg, Bess. & Lake Erie 1st 5s, 1947, . 
Union Pacific 4s, 1947, .... 
West End Street 4$s, 1914, 
West End Street 4s, 1915-17, . 

Miscellaneous Bonds. 
American Tel. & Tel. Co. col. tr. 4s, 1929, . 



Book Value. 


Rate. 


Market Value. 


$40,000 


00 


101 


$40,400 00 


25,000 


00 


101 


25,250 00 


20,000 


00 


101 


20,200 00 


15,000 


00 


104 


15,600 00 


19,897 


50 


100 


20,000 00 


10,000 


00 


99 


9,900 00 


20,000 


00 


100 


20,000 00 


5,000 


00 


104 


5,200 00 


15,000 


00 


100 


15,000 00 


37,806 


25 


94 


37,600 00 


15,000 


00 


98 


14,700 00 


9,528 


50 


86 


8,600 00 


29,850 


00 


96 


28,800 00 


22,813 


95 


95 


23,750 00 


19,850 


00 


• 99 


19,800 00 


38,569 


00 


96 


38,400 00 


29,272 


50 


96 


30,720 00 


10,000 


00 


100 


10,000 00 


44,058 


17 


97 


43,650 00 


30,000 


00 


100 


30,000 00 


36,524 


00 


97 


38,800 00 


29,675 


00 


100 


30,000 00 


19,800 


00 


101 


20,200 00 


20,395 


00 


115 


23,000 00 


20,000 


00 


102 


20,400 00 


35,000 


00 


102 


35,700 00 


34,906 


25 


100 


35,000 00 


31,307 


50 


93 


30,690 00 


$684,253 


62 


$691,360 00 



FITCHBURG MUTUAL FIRE INSURANCE COMPANY, FITCHBURG 

Incorporated March 23, 1847. Commenced business Sept. 1, 1847. 
HENRY G. MORSE, President. LINCOLN R. WELCH, Secretary. 

Income. 

Net premiums, ......... 

Gross interest on mortgages, $867.57; collaterals, $640; stocks and 
bonds, $4,712.38; bank deposits, $199.26; all other, $116.14 
gross rents, including $1,200 for company's own occupancy 
$5,553, 

Gross profit on sale of bonds, ..... 

From all other sources, ....... 



Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements . 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 



$132,079 06 



12,088 35 
337 50 
644 06 



$145,148 97 
207,821 41 

$352,970 38 



$48,813 60 
727 50 



30 



FITCHBURG MUTUAL FIRE INSURANCE CO, 



Dividends to policy holders, . 

Commissions or brokerage, 

Agency expenses, ..... 

Salaries, fees, etc., of officers and employees, 

Rents, for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ..... 

Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, .... 

State taxes on premiums, 

Insurance department licenses and fees, . 

Gross decrease in book value of real estate, 

Agents' balances charged off, 

All other disbursements, 

Total disbursements, 



Balance, ...... 

Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 



Total ledger assets, 



Non-Ledger Assets. 



Interest due and accrued on : — 
Mortgages, $418.63; bonds, $603.73; collateral loans, $182.50, 
Rents due and accrued on company's property, 
Market value of stocks and bonds over book value, . 

Gross assets, ........ 

Liabilities. 
Unpaid losses, ........ 

Unearned premiums on outstanding risks, 

Dividends due policy holders, . . . 

Salaries, expenses and accounts, due or accrued, 

State, county and municipal taxes, due or accrued, . 

Total, ......... 

Surplus to policy holders, ...... 

Total liabilities and surplus, ..... 



$32,349 61 

17,100 76 

182 52 

10,536 81 

1,200 00 

1,948 25 

977 22 

81 90 

702 54 

556 30 

433 75 

158 25 

4,532 01 

2,395 79 

903 41 

1,673 95 

339 00 

2,500 00 

54 82 

595 11 

$128,763 10 



$224,207 28 


$62,500 00 
17,925 00 
11,200 00 

105,540 74 

1,392 46 

11,659 19 

13,989 89 


$224,207 28 


1,204 86 i 
333 00 


12,969 26 

7 i 


$238,714 40 


$4,502 93 

159,224 29 

5,191 52 


272 46 


1,073 07 


$170,264 27 
68,450 13 


$238,714 40 






FITCHBURG MUTUAL FIRE INSURANCE CO. 



31 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . . . 

Expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. Cash Prem's. 

$23,405,949 00 $315,594 90 
10,641,736 00 142,801 99 



$34,047,685 00 
9,411,817 00 

$24,635,868 00 
973,301 00 



$458,396 89 
128,915 02 

$329,481 87 
13,100 07 



Conting't Prem's. 

$315,594 90 
142,801 99 

$458,396 89 
128,915 02 

$329,481 87 



$23,662,567 00 $316,381 80 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends paid policy holders from organization of company 

Losses incurred during the year, ..... 

Dividends to policy holders during 1909, 20, 30 and 40 per cent 

Schedule A. Securities held as Collateral. 

Company's 
Market Value. 



$4,810,373 69 

2,284,802 92 

1,406,002 95 

50,078 95 



40 shares Simonds Mfg. Co. 
40 " Simonds Mfg. Co. 
50 " Grant Yarn Co., 



Loaned 
Thereon. 

$6,000 00 $3,200 00 

6,000 00 3,000 00 

7,500 00 5,000 00 

$19,500 00 $11,200 00 



Schedule B. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
10 shares Boston & Maine, 
70 " Fitchburg, .... 
50 " New York, New Haven & Hartford, 
100 " Pennsylvania, .... 

Bank Stocks. 

10 shares Fitchburg National, 

20 " Fitchburg Safe Dep. & Trust Co., 

15 " Springfield Safe Dep. & Trust Co., 
Miscellaneous Stocks. 
100 shares Amer. Telephone & Telegraph Co., 

25 " Lowell Gas Light Co., 

25 " New England Tel. & Tel. Co., . - 
Rights for 25 shares N. E. Tel. & Tel. Co., 

75 shares Pullman Co., .... 

State and Municipal Bonds. 
Fitchburg, Mass., 4s, 1923, 
Massachusetts 3^s, 1935, .... 
Stamford, Conn., 4s, 1938, 

Railroad Bonds. 
Boston Elevated 4s, 1935, 
Boston & Lowell 3£s, 1921, 
Fitchburg 4s, 1925, ..... 
Fitchburg & Leominster Street 5s, 1917, 
Lake Shore & Michigan Southern 4s, 1931, 
New York, New Haven & Hartford 3£s, 1954, 
Southern Pacific 6s, 1911, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1936, . 
United Fruit Co. 4£s, 1923, 



Book Value. 

$2,000 00 
7,930 00 
7,340 50 
6,240 62 

1,000 00 
3,000 00 
1,500 00 

11,664 92 

5,476 00 

3,227 97 

727 98 

10,956 00 

3,060 00 
4,887 50 
3,025 50 

4,000 00 

2,778 75 

2,000 00 

5,000 00 

4,350 00 

4,475 00 

3,247 50 

4,787 50 
2,865 00 

$105,540 74 



Rate. 
149 
132 
158 
137 

160 
150 
210 

143 
286 
138 
36 
190 

103 

97 

100 

100 
95 
99 

104 
95 
86 

101 

106 
96 



Market Value. 

$1,490 00 

9,240 00 

7,900 00 

6,850 00 

1,600 00 
3,000 00 
3,150 00 

14,300 00 

7,150 00 

3,450 00 

900 00 

14,250 00 

3,090 00 
4,850 00 
3,000 00 

4,000 00 
2,850 00 
1,980 00 
5,200 00 
4,750 00 
4,300 00 
3,030 00 

5,300 00 
2,880 00 

$118,510 00 



32 



GRAIN DEALERS MUTUAL FIRE INSURANCE CO. 



GRAIN DEALERS MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

Incorporated Feb. 27, 1907. Commenced business July 10, 1907. 
DEAN K. WEBSTER, President. A. SHIRLEY LADD, Secretary. 

Office, Chamber of Commerce Building. 

Income. 

Net premiums, $33,479 18 

Gross interest on collaterals, $398.12; bonds, $665.88; bank 

deposits, $92.93; all other, $0.59, 1,157 52 

Dividends on reinsurance, ....... 163 86 

Commission on reinsurance, ....... 1,278 65 

From all other sources, . . . . 114 99 



Total income, ...... 

Ledger assets, Dec. 31, 1908, ..... 

Total, 

Disbursements. 

Net amount paid policy holders for losses, 

Expenses of adjustment and settlement of losses, 

Dividends to policy holders, . 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery. 
Postage, telegrams, telephone and express, 
Furniture and fixtures, ...... 

Fire department, patrol and salvage corps fees and taxes, 
Inspections and surveys, ..... 

State taxes on premiums, ..... 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 



Ledger Assets. 

Loans secured by collateral (schedule A), 

Book value of bonds (schedule B), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Premiums in course of collection, 

Total ledger assets, .... 

Non-Ledger Assets. 

Interest accrued on bonds, .... 
Market value of bonds over book value, . 

Gross assets, ...... 



$36,194 20 
26,227 13 



$62,421 33 


$9,988 54 


25 06 


4,480 07 


6,099 66 


471 00 


315 36 


312 96 


133 19 


34 50 


809 74 


278 47 


9 05 



$22,957 60 



$39,463 73 



$5,000 00 
22,190 00 

657 47 
10,681 71 

934 55 

$39,463 73 



111 6( 
70 (X 

$39,645 3. 



GRAIN DEALERS MUTUAL FIRE INSURANCE CO. 



33 



Assets not admitted. 
Premiums over three months due, . 

Admitted assets, ..... 

Liabilities. 

Unpaid losses, . . 

Unearned premiums on outstanding risks, 

State, county and municipal taxes, due or accrued, 

Due for reinsurance, 

Total, 

Surplus to policy holders, .... 

Total liabilities and surplus, 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$1,614,673 00 
2,248,539 00 



Cash Prem's. 

$32,687 28 
45,103 46 



$3,863,212 00 
1,788,714 00 

$2,074,498 00 
437,020 00 

$1,637,478 00 



$77,790 74 
36,082 62 

$41,708 12 
8,783 10 

$32,925 02 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends paid policy holders from organization of company, 

Losses incurred during the year, . . . 

Dividends to policy holders during 1909, 10 and 15 per cent. 

Schedule A. Securities held as Collateral. 



$75 00 



$39,570 33 

$188 86 

16,462 51 

104 88 

1,470 29 

$18,226 54 
21,343 79 

$39,570 33 



Conting't Prem's. 

$32,687 28 
45,103 46 

$77,790 74 
36,082 62 

$41,708 12 



Connecticut Valley 6s, 1933, 

100 shares Butte Coalition, 

100 " Superior & Pittsburg, 



Company's 
Market Value. 

$3,000 00 1 
2,800 00 [ 
1,600 00 J 

$7,400 00 



Schedule B. Bonds owned by the Company. 



Municipal Bonds. 
Fall River, Mass., 3£s, 1910, 
Meriden, Conn., 4s, 1911, .... 
Waltham, Mass., 4£s, 1916, 

Railroad Bonds. 
Boston & Albany 4s, 1934, 
Boston & Maine 3£s, 1921, 
Boston & Maine 4^s, 1929, 

Boston & Northern Street, 1st mort. 4s, 1954, 
Lake Shore & Michigan Southern 4s, 1931, 
New York, New Haven & Hartford 4s, 1955, 
New York, New Haven & Hartford 4s, 1956, 
West End Street 4s, 1917, 

Miscellaneous Bonds. 
Amer. Tel. & Tel. Co. col. trust 4s, 1929, . 



Book Value. 

$1,985 00 
2,002 50 
1,040 00 



2,040 
1,857 
1,055 
2,730 
1,795 
1,870 
970 
1,995 



00 
50 
00 
00 
00 
00 
00 
00 



2,850 00 



Rate. 
100 
100 
104 

101 
95 

105 
89 
95 
97 
95 

100 

93 



$87,338 08 

27,384 63 

6,908 07 

10,599 93 



Loaned 
Thereon. 

$5,000 00 



$5,000 00 



Market Value. 

$2,000 00 

2,000 00 

1,040 00 



2,020 
1,900 
1,050 
2,670 
1,900 
1,940 
950 
2,000 



00 
00 
00 
00 
00 
00 
00 
00 



2,790 00 



$22,190 00 



$22,260 00 



34 



GROVELAND MUTUAL FIRE INSURANCE CO. 



GROVELAND MUTUAL FIRE INSURANCE COMPANY, GROVELAND. 

Incorporated March 8, 1828. Commenced business March 28, 1828. 

WILLIAM T. PIKE, President. LOUIS A. WOODBURY, Secretary. 

[Note. — This company relies upon assessments on deposit notes to pay losses and expenses.] 



Income. 
Assessments, ...... 

Policy fees, ....... 

Borrowed money, ...... 

Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements. 

Net amount paid policy holders for losses, 

Expenses of adjustment and settlement of losses, 

Salaries, fees, etc., of officers and employees, 

Rents, . . . 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

State taxes on premiums, .... 

Interest on borrowed money, 

Borrowed money repaid, .... 

All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Cash in office, ...... 

Deposits in trust companies and banks not on interest, 

Total ledger assets, .... 

Non-Ledger Assets. 

Supplies, printed matter and stationery, . 
Furniture, fixtures and safes, 

Gross assets, ...... 

Assets not admitted. 

Supplies, printed matter and stationery, . 
Furniture, fixtures and safes, 

Admitted assets, ..... 

Liabilities. 

Salaries, expenses and accounts, due or accrued, 
Borrowed money, ..... 

Total liabilities, ..... 



$20 00 
290 00 



$5,667 48 

290 00 

600 00 

$6,557 48 

88 39 

$6,645 87 



. 


$1,908 53 




13 76 




1,028 79 


. 


25 00 




25 00 




50 20 




47 47 




146 47 




3,250 00 




58 00 


• 


$6,553 22 


• 


$92 65 




$49 41 


St, 


43 24 



$92 65 



20 00 
290 00 



$402 65 



310 00 



$92 65 



$222 00 
600 00 



$822 00 



HAMPSHIRE MUTUAL FIRE INSURANCE CO. 



35 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 



Risks. Conting't Prem's. 

$1,819,579 00 $149,012 55 
360,188 00 29,634 50 



$2,179,767 00 $178,647 05 
334,581 00 26,668 80 



$1,845,186 00 $151,978 25 



Miscellaneous. 

Net premiums received since 1849, .... 

Net losses paid since 1850, ...... 

Losses incurred during the year, ..... 

Assessments laid on deposit notes or contingent premiums, 



$100,396 60 

67,150 73 

1,908 53 

5,667 48 



HAMPSHIRE MUTUAL FIRE INSURANCE COMPANY, 

NORTHAMPTON. 

Incorporated March 6, 1830. Commenced business July 1, 1832. 
' CHARLES N. CLARK, President. OLIVER WALKER, Secretary. 

Income. 

Net premiums, $17,385 03 

Gross interest on mortgages, $994.57; stocks and bonds, $1,576.82; 

bank deposits, $174.32, 2,745 71 

Advance premiums, ........ 33 60 

Sale of rights, 155 70 

Total income, . . . . 

Ledger assets, Dec. 31, 1908, ..... 

Total, 

Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, ..... 

Commissions or brokerage, ..... 

Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, ...... 

Underwriters' boards and tariff associations, . 

Fire department, patrol and salvage corps fees and taxes, 

State taxes on premiums, ..... 

All other disbursements, ..... 

Total disbursements, ...... 

Balance, ....... 

Ledger Assets. 
Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 



$20,320 04 
52,323 98 


$72,644 02 


$6,399 46 
54 67 


7,095 

2,328 
1,951 


73 

68 
00 


125 


00 


80 20 


75 


32 


92 80 


139 


22 


5 


14 


179 


32 


103 


60 


$18,630 


14 



$54,013 88 



$18,100 00 
29,776 45 



36 



HAMPSHIRE MUTUAL FIRE INSURANCE CO. 



Cash in office, ........ 

Deposits in trust companies and banks on interest, . 
Agents' balances, ........ 

Total ledger assets, ...... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $260.45; bonds, $279.14; other assets, $43.76, 
Market value of stocks and bonds over book value, . 
Furniture, fixtures and supplies, . 

Gross assets, ....... 

Assets not admitted. 
Supplies, printed matter and stationery, . 
Furniture, fixtures and safes, .... 

Agents' balances over three months due, 

Admitted assets, ...... 

Liabilities. 
Unpaid losses, ....... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, .... 

Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 
Advance premiums, ...... 

Total, ........ 

Surplus to policy holders, ..... 

Total liabilities and surplus, .... 



$117 35 

5,205 02 

815 06 



$54,013 88 



583 35 

12,072 05 

600 00 



$150 00 

450 00 

43 63 


$67,269 28 
643 63 


$66,625 65 

$1,250 00 

31,520 66 

428 88 

247 47 

45 35 

33 60 


$33,525 96 
33,099 69 



$66,625 65 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 



Risks and Premiums. 

Risks. 

. $3,999,692 00 
1,126,416 00 



Cash Prem's. Conting't Prem's. 

$61,690 21 $61,690 21 
17,917 43 17,917 43 



$5,126,108 00 
1,131,931 00 

$3,994,177 00 



$79,607 64 
18,210 52 



$79,607 64 
18,210 52 



$61,397 12 $61,397 12 



Miscellaneous. 

Net losses paid from organization of company, . . . $356,830 46 

Losses incurred during the year, ...... 7,649 46 

Dividends to policy holders during 1909, 20, 40 and 50 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. Book Value. Rate. Market Value. 

63 shares Connecticut River, .... $6,650 00 272 $17,136 00 

25 " Pennsylvania, 1,603 75 137 1,712 50 

Bank Stocks. 
10 shares Northampton National, . . . 1,100 00 200 2,000 00 

Miscellaneous Stocks. 
10 shares United States Steel, preferred, . . 1,192 50 125 1,250 00 



HIXGHAM MUTUAL FIRE INSURANCE CO. 



37 



R a U - : a d B ■:> nds. 
N. Y., X. H. & Hartford convertible 6s. 1948, 
Northern Pacific-Great Northern -is. 1921, . 
Union Pacific (Oregon Short Line) 4s, 1929, 
En : Street 4s. 1932. 

Miscellaneous Bonds. 
American Tel. & Tel. Co. notes. 5s.. 191 
American Tel. & Tel. Co. col. trust -is. 1929. 
Massachusetts Gas Co. 4-ts. 1929. 
United States Envelope Co. 5s. 1919. 
United States Steel Corporation 5s. 1963. 



Book Value. 


Bate 


Market Vame. 


$3,360 00 


134 


54 20 00 


6.000 00 


97 


5,820 00 


1,S90 00 


95 


1 00 00 


1,062 50 


100 


1,000 00 


1.955 00 


100 


: "oo oo 


955 00 


93 


930 00 


977 50 


98 


9S0 00 


975 20 


100 


: : : : : 


2.055 00 


105 


2.100 00 



-$29,776 45 



$4l,84£ 50 



HIXGHAM MUTUAL FIRE INSURANCE COMPANY. HINGEAM. 

Incorporated March 4, 1S26. Commenced busier-- Sept. 1. 1826. 
FRANCIS H. LINCOLN, President. HENRY W. CUSHIXG, Secretary. 

Income. 

Net premiu: ......... S71.2S0 38 

Gross interest on mortgages. S1.333.S4: collaterals. $240.14: 

stocks and bonds, $9,354.77 : bank deposits. $398.04; all other. 

$12.51 : gross rents, for company's own occupancy. -S700. . 12.039 30 

Gross profit on sale of stocks. 23.1 So 00 

Dividends on reinsurance, ....... 34 04 

From all other sources. ........ 5S1 14 

Total income. ........ §107.120 So 

Ledger assets. Dec. 31, 190S 264.905 S9 

Total $372,026 75 

Disbursements. 

Net amount paid policy holders for losses. .... S3 1.1 76 53 

rnses of adjustment and settlement of losses, . . . 7S2 59 

Dividends to policy holders. 32.4S6 56 

Commissions or brokerage. . . . . . . . 1 0.3 9 S 59 

Agency expenses, . . . . . . . . 156 27 

Salaries, fees. etc.. of officers and employees, .... S.193 87 

Rents, for company's own occupancy. ..... 700 00 

Advertising, printing and stationery. ..... 501 46 

stage, telegrams, telephone and express. .... 464 S2 

Furniture and fixtures. ........ 230 00 

Maps, including corrections. . . . . . . . S3 50 

Underwriters' boards and tariff associations. .... 312 7S 

Fire department, patrol and salvage corps fees and taxes. . 34 58 

Inspections and surveys, . . . . . . . 2.014 94 

Repairs and expenses on real estate, ..... 74 42 

Taxes on real estate. ........ SS 30 

State taxes on premiums, . . . . . . . 712 60 

Gross loss on sale of real estate. ...... 1.175 00 

Gross decrease in book value of ledger assets, .... 1.565 00 

nts J balances charged oft, ...... 16 91 

ather disbursements, . . . . . . 4SS 46 

tal disbursements, ....... 191,657 IS 

Balance. . . . . . . . . $28( 369 57 



38 



HINGHAM MUTUAL FIRE INSURANCE CO. 



Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 

Book value of stocks and bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, ...... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $264.93; bonds, $2,625.62; other assets, $85.89, 

Gross assets, ........ 

Assets not admitted. 
Book value of stocks and bonds over market value, . 

Admitted assets, ....... 

Liabilities. 
Unpaid losses, ........ 

Unearned premiums on outstanding risks, 

Dividends due policy holders, ..... 

Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 

Total, ......... 

Surplus to policy holders, ...... 

Total liabilities and surplus, ..... 



$7,500 00 

25,200 00 

232,925 75 

127 12 

12,076 45 

2,540 25 

$280,369 57 



2,976 44 
$283,346 01 

1,337 75 

$282,008 26 



$737 00 

178,208 76 

992 78 

194 55 

195 13 

$180,328 22 
101,680 04 

$282,008 26 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$27,601,177 00 
5,753,267 00 



Cash Prem's. Conting't Prem's. 

$410,699 91 $410,699 91 
76,190 53 76,190 53 



$33,354,444 00 
6,477,611 00 

$26,876,833 00 
47,891 00 



$486,890 44 $486,890 44 
100,650 80 100,650 80 



$386,239 64 $386,239 64 ' 
605 74 



. $26,828,942 00 $385,633 90 

Miscellaneous. 

Net premiums received from organization of company, . . $3,463,449 0$ 

Net losses paid from organization of company, . . . 1,246,739 23 

Cash dividends paid policy holders from organization of company, 1,959,381 62 
Losses incurred during the year, . . . . . . 31,817 78' 

Dividends to policy holders during 1909, 20, 30 and 40 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. Book Value. Rate. Market Value 

40 shares Boston Elevated, .... $5,765 00 135 $5,400 0C 

25 " Union Pacific, preferred, . . . 2,500 00 104 2,600 0( 






HOLYOKE MUTUAL FIRE INSURANCE CO. 



39 



Bank Stocks. 
30 shares Hingham National, . 

11 " National Bk. of Commerce, Boston, 

12 " National Union, Boston, . 

60 " Old Colony National, Plymouth, 
22 " Webster-Atlas National, Boston, 
Miscellaneous Stocks. 
200 shares Helena Water Co., Helena, Mont., 
62 " Hingham Water Co., Hingham, Mass., 
50 " United Shoe Machinerj^ Corp., pref., . 
Municipal Bonds. 
Chicago, 111., 4s, 1923, . . . 

Railroad Bonds. 
Boston & Albany 4s, 1933, 
Boston Elevated 4s, 1935, 
Boston & Lowell 4s, 1927, 
Boston & Maine 4s, 1926, 
Boston, Revere Beach & Lvnn 4-Js, 1927, 
Chicago, Burl. & Quincy (111. Div.) 3^s, 1949, 
Chicago, Burl. & Quincy (Iowa Div.) 4s, 1919, 
Fitchburg 4s, 1925, ..... 
Illinois Central 4s, 1952, .... 
Lake Shore & Michigan Southern 4s, 1928, 
New York, New Haven & Hartford 4s, 1955, 
N. Y., New Haven & Hartford 5s, notes, 1912, 
Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 
Old Colony 4s, 1925, .... 

Union Pacific 4s, 1947, .... 
Wabash equipment 4^s, 1916, . 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 
Helena Water Works Co. 4s, 1928, . 
Hingham Water Co. 5s, 1923-25, 



Book Value. 

$3,000 00 
1,100 00 
1,200 00 
6,000 00 
2,480 00 



6,200 00 

1,525 00 

5,193 75 

24,000 00 

7,872 50 

10,000 00 

5,000 00 

5,350 00 

9,612 50 

1,982 50 

9,768 75 

20,000 00 

10,037 50 

5,062 50 

10,200 00 

7,000 00 

18,000 00 

5,000 00 

6,727 00 

21,348 75 

10,000 00 

11,000 00 

$232,925 75 



Rate. 
110 
174 
202 
112 
180 



120 
124 

101 

101 

100 
100 

99 
103 

90 
100 

99 
102 

96 

97 
102 

97 
100 
102 

98 

93 

22 

100 



Market Value. 
$3,300 00 
1,914 00 
2,424 00 
6,720 00 
3,960 00 



7,440 00 
1,550 00 

5,050 00 

24,240 00 

8,000 00 

10,000 00 

4,950 00 

5,150 00 

9,000 00 

2,000 00 

9,900 00 

20,400 00 

9,600 00 

4,850 00 

10,200 00 

6,790 00 

18,000 00 

5,100 00 

6,860 00 

20,460 00 

4,730 00 

11,000 00 

$231,588 00 



HOLYOKE MUTUAL FIRE INSURANCE COMPANY, SALEM. 

Incorporated March 14, 1843. Commenced business May 23, 1843. 
CHARLES H. PRICE, President. LOUIS O. JOHNSON, Secretary 

Guaranty Capital, §100,000. 

Income. 

Net premiums, ......... 

Gross interest on mortgages, $1,205 ; stocks and bonds, $36,740.83 ; 
bank deposits, $229.18; gross rents, including $1,750 for com- 
pany's own occupancy, $5,625, .... 

Gross profit on sale or maturity of stocks and bonds, 

Gross increase in book value of bonds, 

Dividends on reinsurance, '. 

Increase in agents' balances,* .... 



70,435 86 



43,800 01 

2,991 00 

700 00 

2,968 99 

4,042 34 



Total income, ..... 

Ledger assets, Dec. 31, 1908, 

Total, ....... 

Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 



$224,938 20 
928,898 71 

$1,153,836 91 



$58,363 48 

1,251 95 

75,783 91 



* Account of change from net to gross basis in annual statement. 



40 



HOLYOKE MUTUAL FIRE INSURANCE CO. 



Dividends on guaranty capital, .... 

Commissions or brokerage, ..... 

Salaries, fees, etc., of officers and employees, 

Rents, for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross decrease in book value of bonds, 

Borrowed money repaid, 

All other disbursements, 

Total disbursements, 



Balance, ...... 

Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 

Book value of stocks and bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, ...... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $285.86; bonds, $10,138.21; other assets, $34.08, 
Rents due and accrued on company's property, 
Market value of real estate over book value, 
Market value of stocks and bonds over book value, . 
Commissions on unpaid return premiums and reinsurance, 
Due from other companies, ...... 



Gross assets, 



Assets not admitted. 



Accrued interest in default, ..... 

Admitted assets, ...... 

Liabilities. 
Unpaid losses, ....... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, .... 

Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 



$7,000 00 

26,623 80 

24,480 76 

1,750 00 

1,977 55 

982 33 

37 51 

603 89 

586 86 

235 99 

1,514 82 

1,794 96 

682 51 

1,045 71 

476 00 

755 72 

108 75 

30,000 00 

1,284 99 

$237,341 49 
$916,495 42 



$47,000 00 
24,000 00 

808,264 00 

1,037 53 

12,704 87 

23,489 02 

$916,495 42 



10,458 15 

1,355 00 

3,000 00 

69,642 64 

113 79 

162 02 

$1,001,227 02 



120 00 



$1,001,107 02 



$8,553 20 

314,173 28 

10,860 85 

849 49 

3,614 30 



HOLYOKE MUTUAL FIRE INSURANCE CO. 



41 



State, county and municipal taxes, due or accrued, . 
Due for return premiums, $767.67; reinsurance, $172.89, 



Total, .... 
Guaranty capital, 
Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities and surplus, 



$100,000 00 
561,013 25 



$1,102 09 
940 56 

$340,093 77 



661,013 25 
$1,001,107 02 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. Cash Prenvs. Conting't Prem's.. 

$44,911,062 00 $655,481 29 $655,481 29 

12,542,778 00 187,212 96 187,212 96 



$57,453,840 00 
12,587,541 00 

$44,866,299 00 
1,084,541 00 



$842,694 25 
192,430 00 

$650,264 25 
13,997 55 



$842,694 25 
192,430 0Q 

$650,264 25 



$43,781,758 00 $636,266 70 



Miscellaneous. 

Net losses paid from organization of company, . . . $2,726,017 45 

Losses incurred during the year, ...... 61,787 72 

Dividends to policy holders during 1909, 20, 30, 40, 50 and 60 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 

50 shares Boston & Maine, common, 

31 " Old Colony, .... 
100 " Pittsburg, Ft. Wayne & Chicago, 
162 " Union Pacific, preferred, . 

25 " West End Street, common, 

Bank Stocks. 

30 shares Atlantic National, Boston, 

10 " Beverly National, 

10 " First National Salem, (liquidating), 

35 " Mercantile National, Salem, 
100 " Merchants' National, Boston, 

10 " Merchants' National, Salem, 

50 " National Republic, Boston (liquid.), 

10 " National Shawmut, Boston, 

20 " Naumkeag National, Salem (liquid.), 

93 " Salem National (liquidating), 
100 " Second National, Boston, . 

Miscellaneous Stocks. 
20 shares H. B. Claflin Co., N. Y., 1st pref ., 
15 " Edison Elec. Ilium. Co., Boston, 

State, County and Municipal Bonds. 
Belmont, Mass., 3^s, 1930, 
Beverly, Mass., 4s, 1911, . 
Beverly, Mass., 4s, 1931-32, 
Boston, Mass., 3^s, 1928, . 
Cambridge, Mass., 4s, 1924, 
Columbus, O., 5s, 1910, . 
Concord, Mass., 3*s, 1932, 
Essex County, Mass., 4s, 1912-13, 
Essex County, Mass., 4s, 1914, . 
Essex County, Mass., 4^s, 1912, 
Essex Countv, Mass., 4|s, 1913, 
Evansville, Ind., 4£s, 1912, 
Everett, Mass., 4s, 1923, . 



Book Value. 


Rate. 


Market Value. 


$5,000 


00 


149 


$7,450 00- 


3,100 


00 


198 


6,138 00 


10,000 


00 


176 


17,600 00 


16,200 


00 


104 


16,848 00 


1,250 


00 


189 


2,362 50 


3,000 


00 


150 


4,500 00 


1,000 


00 


150 


1,500 00 


400 


00 


15 


150 00 


3,500 


00 


105 


3,675 00 


10,000 


00 


252 


25,200 00 


500 


00 


166 


830 00 






25 


1,250 00 


'. 1,000 


00 


331 


3.310 00 






20 


400 00 






30 


2,790 00 


10,000 


00 


241 


24,100 00 


2,000 


00 


98 


1,960 00 


1,500 


00 


252 


3,780 00 


5,000 


00 


93 


4,650 00 


10,000 


00 


100 


10,000 00 


9,000 


00 


104 


9,360 00 


5,000 


00 


97 


4,850 00 


5,000 


00 


103 


5,150 00 


10,000 


00 


101 


10,100 00 


10,000 


00 


96 


9,600 00 


10,000 


00 


100 


10,000 00 


5,000 


00 


101 


5,050 00 


5,000 


00 


101 


5,050 00 


. 5,000 


00 


102 


5.100 00 


6,000 


00 


101 


6,060 00 


5,214 


00 


101 


5,266 14 



42 



HOLYOKE MUTUAL FIRE INSURANCE CO. 



Everett, Mass., 4s, 1933, . 

Framingham, Mass., 4s, 1925-29, 

Jersey City, N. J., 5s, 1916, 

Jersey City, N. J., 5s, 1922, 

Lawrence, Mass., 4s, 1923, 

Lowell, Mass., 4£s, 1913, . 

Lynn, Mass., 4s, 1918, 

Massachusetts 3^s, 1936, . 

Orange, N. J., 5s, 1920, . 

Pawtucket, R. I., 4s, 1923, 

Pawtucket, R. I., 4s, 1944, 

Peabody, Mass., 4s, 1923-24, . 

Quincy, Mass., 3.65s, 1911, 

Salem, Mass., 3^s, 1917-18, 

Salem, Mass., 4s, 1925-28, 

St. Paul, Minn., 5s, 1913, 

St. Paul, Minn., 4£s, 1917-18, . 

Taunton, Mass., 4s, 1915, 

Waltham, Mass., 4s, 1913, 

Waterbury, Conn., 4s, 1915-16, 

Watertown, Mass., 4s, 1912, 

Wayne County, Mich., 4s, 1910, 

Weymouth, Mass., 4s, 1925, 

Woonsocket, R. I., 4s, 1923, 

Woonsocket, R. I., 4*s, 1927, . 
Railroad Bonds. 

Atch., Topeka & Santa Fe adjustment 4s, 1995, 

Atch., Top. & Santa Fe" gen. mortgage 4s, 1995, 

Baltimore & Ohio prior lien 3£s, 1925, 

Baltimore & Ohio 1st mortgage 4s, 1948, 
Boston & Lowell 4s, 1918, 

Boston & Maine 4s, 1926, 

Boston & Providence 4s, 191s, 

Canada Southern 1st mortgage 6s, 1913, 

Central New Jersey gen. mortgage 5s, 1987 
Central Pacific 1st ref. mortgage 4s, 1949, 
Central Pacific mortgage 3^s, 1929, 

Central Vermont 1st mortgage 4s, 1920, 
Chicago, Burlington & Quincv 5s, 1913, 
Chicago, Burl. & Quincv (Neb. Ex.) 4s, 1927, 
Chicago, Burl. & Quincy (111. Div.) 3is, 1949, 
Chicago & Western Indiana general 6s, 1932, 
Cincinnati, Hamilton & Dayton gen. 5s, 1942, 
Cleveland Electric 5s, 1913, 

Cleveland, Lorain & Wheeling 1st mort. 5s, 1933, 
Delaware & Hudson Canal 1st mort. 7s, 1917, 
Erie & Pittsburg general mortgage 3Vs, 1940, 
Erie (Pennsvlvania collateral) 4s, 1951, 

Fitchburg 4s, 1916, 

Housatonic cons, mortgage 5s, 1937, . 
Illinois Central (Cairo Bridge) 4s, 1950, 
Illinois Cent., purchased lines 1st mort. 3Vs, 1952, 
Kan. City, Ft. Scott & Memp. cons. mort. 6s, 1928, 
Lake Shore & Michigan Southern 4s, 1928, 
Lehigh Valley cons, mortgage 6s, 1923, 
Long Island refunding mortgage 4s, 1949, . 
Maine Cent. & European & No. Am. mort. 4s, 1933, 
Narragansett Pier 1st mortgage 4s, 1916, 
New England cons, mortgage 5s, 1945, 
New Haven & Derby cons. mort. 5s, 1918, 
N. Y. Cent. & Hudson River mort. 3*s, 1997, 
N. Y. Cent. & Hud. R. (Mich. Cent, col.) 3£s, 199S, 
N. Y. Cent. & Hud. R. (Lake Shore col.) 3£s, 1998, 
N. Y., N. H. & H.. (Harlem River-Pt. Chester) 

1st mortgage 4s, 1954, .... 
N. Y., N. II. & Hartford convertible 3^s, 1956, 
N. Y., N. H. & Hartford convertible 6s, 1948, 
N. Y., N. H. & Hartford debentures 4s, 1955, 
N. Y., Ontario & Western mortgage 4s, 1992, 
Nor. Pac.-Gt. Nor. (O, B. & Q. col.) 4s, 1921, . 
No. West. Union 1st mort. sinking fund 7s, 1917, 
Norwich & Worcester 4s, 1927, 
Old Colony 4s, 1924-25, .... 



Book Value. 

$5,000 00 

10,000 00 

5,000 00 

3,000 00 

5,000 00 

6,600 00 

8,000 00 

5,000 00 

10,000 00 

10,000 00 

5,000 00 

10,000 00 

10,000 00 

5,000 00 

6,000 00 

10,000 00 

15,000 00 

3,000 00 

2,000 00 

10,000 00 

4,000 00 

10,000 00 

5.000 00 

5,000 00 

5,000 00 

5,000 00 
9,000 00 

10,500 00 
1,500 00 
5,000 00 

15,000 00 
9,000 00 
5,000 00 
7,000 
3,000 
500 
2,000 

10,000 00 
5,000 00 
5,000 00 
8,000 00 

10,000 00 
2,000 00 

15,000 00 
5,000 00 
5,000 00 
5,000 00 

10,000 00 

10,000 00 
3,000 00 
5,000 00 

13,000 00 
5,000 00 
5,000 00 
5,000 00 
4,000 00 

10,000 00 

25,000 00 

20,000 00 
3,000 00 
3,000 00 
5,000 00 

5,000 00 

9,000 00 

2,000 00 

10,000 00 

20,000 00 

5,000 00 

8,000 00 

5,000 00 

15,000 00 



00 
00 
00 
00 



Rate. 

102 

103 

106 

111 

101 

102 

101 

97 
109 
101 
102 
100 
100 

98 
103 
104 
104 
102 
100 
100 
101 
100 
101 
100 
106 

94 

100 

93 

99 
100 

99 
100 
104 
125 

97 

89 

86 
102 
100 

90 
111 
107 

97 
113 
120 

94 

86 
100 
117 
100 

89 
118 

96 
119 

99 
100 
100 
118 
107 

91 

80 

81 

101 
102 
134 

97 

97 

97 
119 
100 
100 



Market Value. 

$5,100 00 

10,300 00 

5,300 00 

3,330 00 

5,050 00 

6,732 00 

8,080 00 

4,850 00 

10,900 00 

10,100 00 

5,100 00 

10,000 00 

10,000 00 

4,900 00 

6,180 00 

10,400 00 

15,600 00 

3,060 00 

2,000 00 

10,000 00 

4,040 00 

10,000 00 

5,050 00 

5,000 00 

5,300 00 

4,700 00 
9,000 00 
9,765 00 
1,485 00 
5,000 00 

14,850 00 
9,000 00 
5,200 00 
8,750 00 
2,910 00 
445 00 
1,720 00 

10,200 00 
5,000 00 
4,500 00 
8,880 00 

10,700 00 
1,940 00 

16,950 00 
6,000 00 
4,700 00 
4,300 00 

10,000 00 

11,700 00 
3,000 00 
4,450 00 

15,340 00 
4,800 00 
5,950 00 
4,950 00 
4,000 00 

10,000 00 

29,500 00 

21,400 00 
2,730 00 
2,400 00 
4,050 00 

5,050 00 

9,180 00 

2,680 00 

9,700 00 

19,400 00 

4,850 00 

9,520 00 

5,000 00 

15,000 00 



INDUSTRIAL MUTUAL INSURANCE CO, 



43 



•Oregon Short Line refunding 4s, 1929, 
Pennsylvania Co. 3-^s, 1916, 
Pennsylvania Steel equipment trust 3-Js, 1911, 
Pennsylvania Steel equipment trust 3^s, 1912, 
Peoria & North Western 1st mort. 3£s, 1926, 
Princeton & Northwestern 1st mort. 3-Js, 1926, 
Rich. -Wash. guar. col. tr. mort. 4s, 1943, . 
St. Paul, Minneap. & Man. cons. mort. 4^s, 1933, 
Schenectady Railway 1st mort. 4^s, 1941, . 
Seattle Electric 1st mort. 5s, 1930, 
Terminal R.R. Asso. St. Lo., 1st mort. 4^s, 1939, 
Third Avenue, N. Y., 1st cons. mort. 4s, 2000, 
Union Pacific 4s, 1947, .... 
West End Street 4s, 1915-32, . 

Miscellaneous Bonds. 
American Cotton Oil Co. 4^s, 1915, 
American Telephone & Telegraph Co. 4s, 1929, 
Clinton Water Works Co., Clinton, la., 5s, 1939, 
Hudson River Power Transmission Co. 5s, 1928, 
Salem Electric Lighting Co. 4s, 1911, 
Western Union Telegraph Co. 5s, 1938, 
Woonsocket Elec. Mach. & Power Co. 4^s, 1943, 



Book Value. 


Rate. 


Market Value. 


$5,000 


00 


95 


$4,750 00 


1,000 


00 


97 


970 00 


1,000 


00 


99 


990 00 


4,000 


00 


98 


3,920 00 


8,000 


00 


94 


7,520 00 


11,000 


00 


94 


10,340 00 


5,000 


00 


100 


5,000 00 


12,000 


00 


107 


12,840 00 


5,000 


00 


100 


5,000 00 


2,000 


00 


104 


2,080 00 


6,000 


00 


107 


6,420 00 


2,000 


00 


69 


1,380 00 


22,500 


00 


102 


22,950 00 


13,000 


00 


100 


13,000 00 


10,000 


00 


98 


9,800 00 


5,000 


00 


93 


4,650 00 


5,000 


00 


96 


4,800 00 


2,000 


00 


30 


600 00 


2,000 


00 


99 


1,980 00 


5,000 


00 


100 


5,000 00 


3,000 


00 


94 


2,820 00 


$808,264 00 


$877,906 64 



INDUSTRIAL MUTUAL INSURANCE COMPANY, BOSTON. 

Incorporated April 17, 1890. Commenced business June 1, 1890. 
CHARLES T. PLUNKETT, President. BENJAMIN TAFT, Secretary. 

Office, 31 Milk Street. 

Income. 

Net premiums, $306,842 73 

Gross interest on bonds, $10,880.28; bank deposits, $883.47, 11,763 75 

Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements. 

Net amount paid policy holders for losses, 

Expenses of adjustment and settlement of losses, 

Dividends to policy holders, . 

Salaries of special agents, 

Salaries, fees, etc., of officers and employees, 

Rents, ....... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Underwriters ' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Gross decrease in book value of bonds, 

Premiums of 1909 paid in 1908, 

All other disbursements, 

Total disbursements, 

Balance, . $319,327 77 



$318,606 48 
295,945 25 


$614,551 


73 


$18,692 97 
49 20 


248,754 30 
136 55 


11,378 


40 


878 


90 


925 


67 


562 


39 


75 


57 


130 


35 


. 4,072 


93 


3,621 


77 


58 


00 


113 


36 


1,858 
2,399 


12 
50 


1,515 


98 


$295,223 


96 



44 



INDUSTRIAL MUTUAL INSURANCE CO. 



Ledger Assets. 

Book value of bonds (schedule A), . 

Deposits in trust companies and banks on interest, 

Premiums in course of collection, 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest due and accrued on bonds, 

Gross assets, . . ... 

Assets not admitted. 
Book value of bonds over market value, . 

Admitted assets, ..... 

Liabilities. 
Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, 

Surplus to policy holders, .... 

Total liabilities and surplus, 

Risks and Premiums. 

Risks. 

In force Dec. 31, 1908, . . $35,470,334 00 
Written during the year, . 36,777,787 00 



$272,066 88 

37,891 50 

9,369 39 

$319,327 77 



4,261 23 
$323,589 00 



6,926 88 
$316,662 12 



$3,023 67 

153,068 14 

211 26 

4,858 83 

$161,161 90 
155,500 22 

$316,662 12 



Cash Prem's. Conting't Prem's. 

$318,510 07 $1,592,550 35 
321,759 28 1,608,796 40 



Total, . 
Expired and terminated, 

In force at end of year, 



$72,248,121 00 
37,648,503 00 



$640,269 35 $3,201,346 75 
334,133 07 1,670,665 35 



$306,136 28 $1,530,681 40 



. $34,599,618 00 

Miscellaneous. 

Net premiums received from organization of company, . . $4,072,333 40 

Net losses paid from organization of company, . . . 695,712 15 

Cash dividends paid policy holders from organization of company, 2,873,952 46 
Losses incurred during the year, ...... 19,924 37 

Dividends to policy holders during 1909, 77.65 per cent. 

Schedule A. Bonds oavned by the Company. 

State and Municipal Bonds. 
Fall River, 'Mass., 3-i-s, 1915, 
Massachusetts 3-^s, 1933-40, 

Railroad Bonds. 
Bangor & Aroostook consolidated 4s, 1951, 
Boston Elevated 4s, 1935, 
Boston & Lowell 4s, 1913-16, . 
Boston & Lowell 3^s, 1919, 
Boston & Maine 4s, 1926, 
Boston & New York Air Line 4s, 1955, 
Chicago, Indiana & Southern 4s, 1956, 
Colorado & Southern 4^s, 1935, 
El Paso & Rock Island 5s, 1951, 





Book Value. 


Rate. 


Market Value. 


$15,000 00 


99 


$14,850 00 


13,000 00 


97 


12,610 00 


3,400 00 


84 


3,360 00 




3,000 00 


100 


3,000 00 




4,915 00 


100 


5,000 00 




5,000 00 


96 


4,800 00 




4,821 88 


99 


4,950 00 




3,000 00 


100 


3,000 00 




14,437 50 


95 


14,250 00 




5,000 00 


98 


4,900 00 




1,920 00 


105 


2,100 00 



LOWELL MUTUAL FIRE INSURANCE CO. 



45 



Lvnn & Boston 5s, 1912, .... 

Maine Central 4*s, 1916, .... 

Maine Central 4s, 1912, . 

Maryland, Delaware & Virginia 5s, 1955, 

N. Y. Cent, & Hud R. (Lake Shore col.) 3^s, 1998 

New York, Chicago & St. Louis 4s, 1931, . 

New York, New Haven & Hartford 4s, 1955, 

New York, New Haven & Hartford 4s, 1914, 

Northern Maine Seaport 5s, 1935, 

Nor. Pac.-Gt. Nor. (C, B. & Q.) 4s, 1921, . 

Pennsylvania (convertible) 3^s, 1915, 

Richmond-Washington 4s, 1943, 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 
American Writing Paper Co. 5s, 1919, 
New England Telephone & Tel. Co. 4s, 1930, . 
New England Telephone & Tel. Co. 5s, 1919, 
Western Telephone & Telegraph Co. 5s, 1932, 
Western Union Telegraph Co. 4^s, 1950, 



Book Yalue. 

$5,000 00 
5,000 00 
3,000 00 
5,000 00 

10,000 00 
7,432 50 

15,000 00 
980 00 

15,000 00 

10,730 00 

945 00 

7,000 00 

22.4S5 00 
20,000 00 
20,000 00 
19,000 00 
3.000 00 
29,000 00 

$272,066 SS 



Rate. 

101 

103 

100 

100 

81 

92 

97 

99 

107 

97 

97 

100 

93 
88 
94 
103 
98 
97 



Market Value. 

$5,050 00 

5.150 00 

3,000 00 

5,000 00 

8,100 00 

7,360 00 

14,550 00 

990 00 

16,050 00 

10,670 00 

970 00 

7.000 00 

21,390 00 
17,600 00 
18,800 00 
19,570 00 
2,940 00 
28,130 00 

$265,140 00 



LOWELL MUTUAL FIRE INSURANCE COMPANY, LOWELL. 

Incorporated March 6, 1832. Commenced business April, 1832. 
CHARLES A. STOTT, President. JOSEPH PEABODY, Secretary. 

Income. 

Net premiums, $63,537 81 

Gross interest on mortgages, $441.62; stocks and bonds, 

$7,608.01; bank deposits, $181.79, . . ... . 8,23142 

Gross profit on sale of stocks, . . . . . . 810 50 

Return premiums on reinsurance, ...... 148 26 

Dividends on reinsurance, . . . . . . . 437 90 

From all other sources, 2,202 37 



Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, ....... 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 
Commissions or brokerage, 
Salaries of special agents, 
Salaries, fees, etc., of officers and employees, 
Rents, ...... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Maps, including corrections, . 

State taxes on premiums, 

Other licenses, fees and taxes, 

Gross decrease in book value of stocks, 

Interest on borrowed money, 

Borrowed money repaid, 

All other disbursements, 

Total disbursements, 

Balance, .... 



$75,368 26 
186,384 32 

$261,752 58 



$26,223 88 

568 40 

21,010 61 

9,773 46 

8,400 00 

870 00 

650 00 

524 66 

532 00 

510 64 

611 58 

35 28 

1,500 00 

335 85 

13,000 00 

2.1S7 49 

$86,733 So 

8175,018 73 



46 



LOWELL MUTUAL FIRE INSURANCE CO. 



Ledger Assets. 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $109.75; bonds, $974.82, 
Market value of stocks and bonds over book value, 

Gross assets, ...... 

Liabilities. 
Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Interest due or accrued on borrowed money, . 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Due for return premiums, .... 

Borrowed money, ...... 

Total, 

Surplus to policy holders, .... 

Total liabilities and surplus, 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$11,542,881 00 
4,276,909 00 



$8,595 00 


144,100 00 


88 60 


13,585 58 


8,649 55 


$175,018 73 


1,084 57 


28,770 00 


$204,873 30 


$1,248 89 


95,109 12 


46 25 


647 11 


800 00 


142 00 


291 93 


* 4,500 00 



$102,785 30 
102,088 00 

$204,873 30 



Cash Prem's. Conting't Prem's. 

$182,726 42 $182,726 42 
68,776 77 68,776 77 



$15,819,790 00 

3,697,397 00 

$12,122,393 00 

383,438 00 



$251,503 19 $251,503 19 
61,503 29 61,503 29 



$189,999 90 $189,999 90 
5,715 09 



$11,738,955 00 $184,284 81 



Miscellaneous. 
Losses incurred during the year, ..... 
Dividends to policy holders during 1909, 20, 40 and 60 per cent. 



$26,419 25 



Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. Book Value. Rate. Market Value. 

20 shares Boston & Lowell, .... $2,000 00 229 §4,580 00 

37 " Boston & Maine, .... 3,700 00 149 5,513 00 

71 " Lowell & Andover, .... 7,100 00 220 15,620 00 

6 " Vermont & Massachusetts, . . 600 00 168 1,008 00 
Bank Stocks. 

16 shares Union National, Lowell, . . . 1,600 00 180 2,880 00 



LUMBER MUTUAL FIRE INSURANCE CO. 



47 



Miscellaneous Stocks. 
36 shares Appleton Company, Lowell, 
70 " Bigelow Carpet Co., Lowell, 
2 " Hamilton Manufacturing Co., Lowell, 

15 " Hill Co., Lewiston, Me., . 

16 " Lawrence Co., Lowell, 

16 " Lowell Bleacherv, Lowell, 

46 " Lowell Gas Light Co., Lowell, . 

50 " Massachusetts Cotton Mills, Lowell, 

132 " Merrimack Manufacturing Co., com., 
2 " Pacific Mills, Lawrence, 
Municipal Bonds. 

Boston, Mass., 4s, 1923, . 

Middletown, Conn., 3^s, 1921, 

Sharon, Mass., 4s, 1923-24, 

Railroad Bonds. 

Boston Elevated 4s, 1935, 

Boston & Lowell 4s, 1916-32, 

Boston & Maine 3^s, 1925, 

Boston & Maine 3£s, 1921, 

Central Vermont 4s, 1920, 

Chicago, Burl. & Quincy (111. Div.) 3£s, 1949, 

Chicago, Burl. & Quincy (111. Div.) 4s, 1949, 

Chicago, Burl. & Quincy (Iowa Div.) 4s, 1919, 

Fitchburg 4s, 1915, . 

Fitchburg 4s, 1925, 

Illinois Central (St. Louis Div.) 3|s, 1951, . 

Lowell & Suburban Street 5s, 1911, . 

New York & Central Hudson River 3£s, 1997, 

N. Y. Cent, equipment trust, 1907, 5s, 1916, 

N. Y. Cent, equipment trust 1907, 5s, 1917, 

N. Y., N. H. & Hartford 4s, 1956, 

N. Y., N. H. & Hartford 4s, 1955, 

Portland & Rumford Falls 4s, 1926, 

Richmond & Washington 4s, 1943, 

Washington County 3^s, 1954, . 



Book Value. 
$3,600 00 

7,000 00 

2,000 

1,500 

1,600 

1,600 

4,600 

5,000 
13,200 00 

2,000 00 



00 
00 
00 
00 
00 
00 



2,000 00 
3,000 00 
2,000 00 

10,000 00 

9,000 00 

1,000 00 

4,000 

1,000 

2,000 

2,000 

3,000 

7,000 

3,000 

3,000 

8,000 

1,000 

1,000 

1,000 
10,000 00 

8,000 00 

3,000 

2,000 

1,000 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



00 
00 
00 



Rate. 
162 
141 

81 
115 
171 
140 
286 
140 

55 
333 

103 

95 

101 

100 

100 

94 

95 

86 

90 

101 

100 

100 

99 

89 

101 

91 

104 

105 

95 

97 

99 

100 

87 



Market Value. 
$5,832 00 

9,870 00 

1,620 

1,725 

2,736 

2,240 
13,156 

7,000 

7,260 00 

6,660 00 



00 
00 
00 
00 
00 
00 



S144,100 00 



2,060 00 
2,850 00 
2,020 00 

10,000 00 
9,000 00 

940 00 
3,800 

860 
1,800 
2,020 
3,000 
7,000 
2,970 
2,670 
8,080 00 

910 00 
1,040 00 
1,050 00 
9,500 00 
7,760 00 
2,970 00 
2,000 00 

870 00 

$172,870 00 



00 
00 
00 
00 
00 
00 
00 
00 



THE LUMBER MUTUAL FIRE INSURANCE COMPANY OF BOSTON,. 

MASSACHUSETTS. 

Incorporated Feb. 13, 1895. Commenced business March 28, 1895. 
GEORGE W. GALE, President. HARRY E. STONE, Secretary. 

Office, 141 Milk Street 

Income. 

Net premiums, ... $338,631 26 

Gross interest on bonds, $15,706.71; bank deposits, $3,399.25 

all other, $114.49, 
Gross profit on sale of bonds, 



Gale & Stone, agency, 

Agents' balances previously charged off, 

Sale of rights, 

From all other sources, . 

Total income, 
Ledger assets, Dec. 31, 1908, 



Total, 

Disbursements . 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 



19,220 45 
1,210 00 

14,000 00 
426 76 
557 49 
151 56 

$374,197 52 
447,409 33 

$821,606 85 



$82,760 03 

258 77 

120,327 m 



48 



LUMBER MUTUAL FIRE INSURANCE CO. 



Commissions or brokerage, 

Tennessee agency expenses, . 

Salaries, fees, etc., of officers and employees, 

Rents, ....... 

Advertising, printing and stationery. 

Postage, telegrams, telephone and express, 

Legal expenses, 

Furniture and fixtures, . 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Agents' balances charged off, 

Decrease in agents' balances,* 

All other disbursements, 

Total disbursements, 

Balance, 

Ledger Assets. 

Book value of bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 



$18,447 81 

2,055 98 

25,199 99 

3,000 00 

3,287 84 

1,648 46 

580 00 

1,302 62 

228 00 

3,282 12 

4,818 55 

394 00 

155 87 

475 62 

6,269 61 

1,894 76 

$276,387 22 

$545,219 63 



$429,027 75 

639 45 

98,437 53 

17,114 90 



Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on bonds, .... 
Market value of bonds over book value, . 
Due from Gale & Stone agency, 



$545,219 63 



4,156 47 

16,472 25 

5,688 26 



Gross assets, ...... 

Assets not admitted. 

Agents' balances over three months due, 
Due from Gale & Stone agency, 

Admitted assets, ..... 

Liabilities. 

Unpaid losses, including $2,500 resisted, . 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 



$4 51 
5,688 26 



$571,536 61 



5,692 77 
$565,843 84 



$10,821 17 

163,805 77 

87 61 

3,456 56 



Total, .... 
Surplus to policy holders, 

Total liabilities and surplus, 



$178,171 11 
387,672 73 

$565,843 84 



* Account of change from gross to net basis in annual statement. 



LUMBER MUTUAL FIRE INSURANCE CO. 



49 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . . . 

Expired and terminated, 

In force at end of year, 



Risks and Premiums. 

Risks. 

. $11,688,676 00 
. 15,962,605 00 



Cash Prem's. 

$283,358 34 
385,802 05 



Conting't Prem's. 

$850,075 02 
1,157,406 15 



$27,651,281 00 
13,843,348 00 



$669,160 39 $2,007,481 17 
341,548 86 1,024,646 58 



$13,807,933 00 $327,611 53 $982,834 59 



Miscellaneous. 

Net premiums received from organization of company, . . $1,928,467 87 

Net losses paid from organization of company, . . . 600,457 24 

Cash dividends paid policy holders from organization of company, 515,673 80 

Losses incurred during the year, ...... 90,223 08 

Dividends to policy holders during 1909, 40 per cent. 



Schedule A. Bonds owned by the Company. 



State and Municipal Bonds 
Boston, Mass., 3^s, 1925, . 
Boston, Mass., 3-g-s, 1935, . 
Brockton, Mass., 3£s, 1934, 
Brookline, Mass., 3|s, 1917, 
Brookline, Mass., 3$s, 1918-21, 
Brookline, Mass., 3£s, 1922-23, 
Cambridge, Mass., 3-|s, 1921, 
Cambridge, Mass., 3^s, 1925, 
Framingham, Mass., 4s, 1925-26, 
Georgia 4^s, 1915, 
Gloucester, Mass., 4s, 1916, 
Gloucester, Mass., 4s, 1917-22, 
Lynn, Mass., 3^s, 1914, 
Nashville, Tenn., 4£s, 1923, 
New Bedford, Mass., 4s, 1913, 
Pawtucket, R. I., 4s, 1944, 
Pittsfield, Mass., 3£s, 1915-16, 
Pittsfield, Mass., 3£s, 1917, 
Portland, Ore., 4s, 1934, . 
Stamford, Conn., 4s, 1938, 
Waltham, Mass., 3^s, 1921, 
Waterbury, Conn., 4s, 1941, 
Watertown, Mass., 4s, 1914-16, 
Watertown, Mass., 4s, 1917, 

Railroad Bonds, 
Boston & Albany 4s, 1933, 
Boston & Albany 3£s, 1951, 
Boston & Maine 4s, 1926, 
Boston & Maine 4£s, 1929, 
Boston & N. Y. Air Line 4s, 1955, 
Boston & Northern Street 4s, 1954, . 
Boston, Revere Beach & Lynn 4^s, 1927, 
Chicago, Burl. & Quincy 4s, 1949, 
Chicago Railways Co. 1st 5s, 1927, 
Chicago & Western Indiana 4s, 1952, 
Dutchess County 4^s, 1940, 
Fitchburg 4 is, 1928, 

Lake Shore & Michigan Southern 4s, 1931, 
Long Island 4s, 1949, 

Maine Cent.-European & N. Am. 4s, 1933, 
N. Y. Cent. & Hudson River 4s, 1934, 
N. Y., N. H. & Hartford 6s, 1948, 
N. Y., N. H. & Hartford 4s, 1955, 
N. Y., N. H. & Hartford 4s, 1956, 
Old Colony 4s, 1938, 
Old Colony 4s, 1954, 
Pennsylvania 3^s, 1915, 



Book Value. 

$9,700 00 
8,010 00 

12,460 00 
1,925 00 
9,625 00 
4,812 50 
4,600 00 

13,725 00 
8,100 00 

10,800 00 
989 30 

10,847 70 
2,880 00 
9,900 00 
5,025 00 
9,325 00 
3,941 25 
982 50 

10,670 00 
5,222 00 
6,370 00 
5,092 50 
6,908 75 
2,955 00 

15,225 00 
3,710 00 
7,600 00 
5,268 75 
9,950 00 
1,800 00 

10,000 00 
5,087 50 
4,950 00 
8,800 00 
4,750 00 

11,460 00 
9,151 25 
8,812 50 
5,075 00 
4,550 00 

11,215 00 
8,300 00 

15,280 00 
5,125 00 
5,400 00 
4,425 00 



Rate. 

97 

96 

96 

98 

97 

96 

98 

97 

103 

105 

101 

102 

98 

105 

100 

102 

99 

98 

100 

100 

97 

100 

101 

102 

101 

90 

99 

105 

100 

89 

103 

101 

101 

94 

103 

106 

95 

99 

100 

96 

134 

97 

95 

100 

88 

97 



Market Value. 

$9,700 00 
8,640 00 

13,440 00 
1,960 00 
9,700 00 
4,800 00 
4,900 00 

14,550 00 
8,240 00 

10,500 00 
1,010 00 

11,220 00 
2,940 00 

10,500 00 
5,000 00 

10,200 00 

3,960 00 

980 00 

11,000 00 
5,000 00 
6,790 00 
5,000 00 
7,070 00 
3,060 00 

15,150 00 
3,600 00 
7,920 00 
5,250 00 

10,000 00 
1,780 00 

10,300 00 
5,050 00 
5,050 00 
9,400 00 
5,150 00 

11,660 00 
9,500 00 
9,900 00 
5,000 00 
4,800 00 

13,400 00 
9,700 00 

15,200 00 
5,000 00 
5,280 00 
4,850 00 



50 LYNN MANUFACTURED AND MERCHANTS MUTUAL FIRE INS. CO. 



Portland & Ogdensburg 4*s, 1928, 

West End St. 4s, 1916-17, 

West End St. 4£s, 1923, .... 

Miscellaneous Bonds. 
American Agricultural Chemical Co. 5s, 1928, 
American Tel. & Tel. Co. 4s, 1929, 
Armour & Co. 4£s, 1939, .... 
Commonwealth Power Co., Mich., 5s, 1924, 
Detroit Edison Co. 5s, 1933, 

Dom. P. & Tr. Co., Ltd., Hamilton, Ont., 5s, 1932 
Edison Elec. Co., Los Angeles, Cal., 5s, 1922, 
Grand Rapids-Muskegon Power Co. 5s, 1931, 
Mass. Gas Co. 4£s, 1929, .... 
N. Y. Telephone Co. 4£s, 1939, 
Omaha Electric Light & Power Co. 5s, 1933, 
Seattle Electric Co. 5s, 1929, 
United Electric Securities Co. 5s, 1937, 
Utica Gas & Electric Co. 5s, 1957, 



Book Value. 


Rate. 


Market Value. 


$5,237 


50 


107 


$5,350 00 


8,052 


50 


100 


8,000 00 


5,137 


50 


105 


5,250 00 


9,700 


00 


102 


10,200 00 


11,430 


00 


93 


11,160 00 


4,781 


25 


95 


4,750 00 


4,450 


00 


99 


4,950 00 


4,500 


00 


101 


5,050 00 


4,550 


00 


97 


4,850 00 


4,500 


00 


102 


5,100 00 


4,450 


00 


100 


5,000 00 


4,925 


00 


98 


4,900 00 


7,712 


50 


98 


7,840 00 


5,050 


00 


99 


4,950 00 


4,500 


00 


99 


4,950 00 


4,625 


00 


101 


5,050 00 


4,625 


00 


101 


5,050 00 


$429,027 


75 


$445,500 00 



LYNN MANUFACTURERS AND MERCHANTS MUTUAL FIRE 
INSURANCE COMPANY, LYNN. 

Incorporated Jan. 11, 1907. Commenced business Jan. 11, 1907. 
PATRICK B. MAGRANE, President. JOHN H. MADDEN, Secretary. 

Guaranty Capital, 8100,000. 

Income. 

Net premiums, ......... $5,581 75 

Gross interest on mortgages, $4,$95.80; stocks and bonds, 

$1,317.30; bank deposits, $247.22, 6,460 32 

Gross profit on sale of bonds, . . . . . . 21 85 

Gross increase in book value of stocks, ..... 262 50 



Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 
Dividends on guaranty capital, 
Commissions or brokerage, .... 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
State tax on franchise, ..... 
Gross loss on sale of bonds, .... 
All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 



$12,326 42 


114,520 91 


$126,847 33 


$382 15 


8 71 


266 92 


4,000 00 


1,125 72 


17 50 


59 21 


265 09 


425 00 


165 00 


$6,715 30 



$120,132 03 



$109,300 00 
8,075 00 



LYNN MANUFACTURERS AND MERCHANTS MUTUAL FIRE INS. CO. 51 



Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $1,109.52; bonds, $5, . 

Gross assets, . 

Assets not admitted. 
Book value of stocks and bonds over market value, 

Admitted assets, ..... 

Liabilities. 
Unpaid losses, ...... 

Unearned premiums on outstanding risks, 

Total, . . . 

Guaranty capital, ..... 

Surplus over all liabilities, .... 
Surplus to policy holders, .... 

Total liabilities and surplus, . 

Risks and Premiums 

Risks. 

In force Dec. 31, 1908, . . $942,350 00 



$1,522 05 
1,234 98 

$120,132 03 



1,114 52 



Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



765,410 00 

$1,707,760 00 

276,385 00 

$1,431,375 00 

38,500 00 

$1,392,875 00 



. 


$121,246 55 


, . 


280 00 


. 


$120,966 55 


: 


$4 91 
6,017 39 


$100,000 00 
14,944 25 


$6,022 30 
114,944 25 


. 


$120,966 55 


Cash Prem's. 

$7,554 37 
6,599 83 


Conting't Prem's. 

$7,554 37 
6,599 83 



$14,154 20 
2,300 54 

$11,853 66 
446 41 

$11,407 25 



$14,154 20 
2,300 54 

$11,853 66 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends paid policy holders from organization of company, 

Losses incurred during the year, ...... 

Dividends to policy holders during 1909, 20 per cent. 



$14,177 08 

3,148 92 

489 07 

387 06 



20 



Schedule A. Stocks and Bonds owned by the Company. 

Bank Stocks. Book Value. Rate. Market Value. 

25 shares Central National, Lynn, . . . $4,750 00 

Manufacturers National, Lynn, . . 2,300 00 

Government Bonds. 
United States 3s, 1918, op. 1908, . . . 1,025 00 

$8,075 00 



175 
120 


$4,375 00 
2,400 00 


102 


1,020 00 




$7,795 00 



52 



LYNN MUTUAL FIRE INSURANCE CO. 



LYNN MUTUAL FIRE INSURANCE COMPANY, LYNN. 

Incorporated Feb. 20, 1828. Commenced business Aug. 1, 1828. 
JAMES S. NEWHALL, President. ISRAEL AUGUSTUS NEWHALL, Secretary. 

Income. 

Net premiums, .... $9,795 79 

Gross interest on mortgages, $1,360.95; stocks and bonds, 

$2,216.23; bank deposits, $75.86, 
Gross profit on sale of bonds, 
Commissions and dividends on reinsurance, 



Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 

Commissions or brokerage, .... 

Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Taxes on real estate, ..... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 

Gross loss on maturity of bonds, 

Agents' balances charged off, 

All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Book value of real estate, ..... 

Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, ..... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $384.29; bonds, $655.81, 
Market value of stocks and bonds over book value, . 

Gross assets, ....... 

Assets not admitted. 
Agents' balances over three months due, 

Admitted assets, ...... 



3,653 04 


447 50 


46 28 


$13,942 61 


72,532 00 


$86,474 61 


$3,181 86 


82 00 


4,447 01 


592 18 


2,328 00 


432 00 


131 20 


73 35 


4 00 


93 94 


49 79 


25 00 


21 42 


168 32 


$11,630 07 


$74,844 54 


$369 00 


24,150 00 


45,828 48 


26 04 


1,255 17 


2,719 34 


496 51 


$74,844 54 



1,040 10 
2,650 52 



$78,535 16 



48 91 
$78,486 25 



LYNN MUTUAL FIRE INSURANCE CO. 



53 



Liabilities. 
Unpaid losses, ...... 

Unearned premiums on outstanding risks, 

Dividends due policy holders, 

State, county and municipal taxes, due or accrued, 

Total, 

Surplus to policy holders, .... 

Total liabilities and surplus, 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$2,674,144 00 
746,067 00 



$11 75 

19,939 65 

42 23 

30 98 

$20,024 61 
58,461 64 

$78,486 25 



Cash Prem's. Conting't Prem's. 

$37,294 86 $37,294 86 
10,844 40- 10,844 40 



$3,420,211 00 

619,624 00 

$2,800,587 00 

43,018 00 

$2,757,569 00 



$48,139 26 $48,139 26 
8,680 39 8,680 39 



$39,458 87 $39,458 87 
608 35 



$38,850 52 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends paid policy holders from organization of company, 

Losses incurred during the year, ...... 

Dividends to policy holders during 1909, 20, 40 and 70 per cent. 



$326,548 61 

58,889 38 

138,002 12 

3,263 86 



Schedule A. Stocks and Bonds owned by the Company. 



Bank Stocks. 
5 shares Central National, Lynn, 
20 " Essex Trust Co., Lynn, 
10 " Merchants National, Boston, 
20 " National City, Lynn, . 

Municipal Bonds. 
Kennebec Water District, Me., 3^s, 1925, . 

Railroad Bonds. 
Atch., Topeka & Santa Fe 1st 4s, 1995, 
Bangor* & Aroostook (Piscataquis Div.) 5s, 1943, 
Chicago, Burl. & Quincy general 4s, 1958, . 
Chicago & Great Western 1st 5s, 1936, 
Chic, Rock Island & Pac. 1st and ref. 4s, 1934, 
Jacksonville Electric 1st 5s, 1927, 
Lake Shore & Michigan Southern note, 5s, 1910, 
National of Mexico prior lien 4-Js, 1957, 
N. Y. Cent. & Hudson River note, 5s, 1910, 
Ogdensburg & Lake Champlain 1st 4s, 1948, 
Ohio & West Virginia 1st 7s, 1910, . 
Southern Pacific 1st ref. 4s, 1955, 

Miscellaneous Bonds. 
Amer. Tel. & Tel. Co. col. trust 4s, 1929, . 
Commonwealth Power Co. 1st 5s, 1924, 
Omaha Electric Light & Power Co. 1st 5s, 1933, 
Southern California Edison Co. gen. 5s, 1939, 
The Securities Co., series C, class 1, 4s, 
United Elec. Securities Co. 5s, 1935-37-39, 



Book Value. 
$500 00 
3,600 00 
1,392 50 
2,000 00 

912 50 

2,000 00 
1,080 00 
2,005 00 
2,020 00 

961 
1,880 

986 

470 

997 
2,050 
1,000 

951 



25 

00 
25 
98 
50 
00 
00 
25 



7,338 
1,900 
3,000 
1,950 
800 



75 
00 
00 
00 
00 



6,032 50 



Rate. 

175 

200 

252 

150 

95 

94 
108 
100 
104 

91 

98 
100 

95 
100 

91 
101 

95 

93 
99 
99 
96 
63 
101 



Market Value. 
$875 00 
4,000 00 
2,520 00 
3,000 00 

950 00 



1,880 
1,080 
2,000 
2,080 

910 
1,960 
1,000 

570 
1,000 
1,820 
1,010 

950 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



7,440 00 
1,980 00 
2,970 00 
1,920 00 
504 00 
6,060 00 



$45,828 48 



$48,479 00 



54 merchants' and farmers' mutual FIRE INSURANCE CO. 



MERCHANTS' AND FARMERS' MUTUAL FIRE INSURANCE COMPANY, 

WORCESTER. 

Incorporated April 1, 1846. Commenced business Jan. 1, 1847. 
HENRY M. WITTER, President. HARRY S. MYRICK, Secretary. 

Income. 

Net premiums, $87,075 11 

Gross interest on mortgages, $832.50; stocks and bonds, 
$6,798.91; bank deposits, $184.24; all other, $18.75; gross 

rents, $3,660, 11,494 40 

Gross profit on sale or maturity of stocks and bonds, . . 4,175 05 

Commissions returned, ........ 1,019 51 



Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 
Commissions or brokerage, 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ..... 

Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, .... 

State taxes on premiums, 

Insurance department licenses and fees, . 

Gross loss on sale of bonds, 

Interest on borrowed money, . 

All other disbursements, 

Total disbursements, 

Balance, ..... 



Ledger Assets. 

Book value of real estate, less mortgage thereon, 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 



$103,764 07 
227,150 16 



$330,914 23 


$30,417 21 
629 51 


26,716 36 


14,787 14 

7,549 60 

894 40 


1,555 45 
369 54 


112 82 


44 12 


528 79 


337 68 


194 66 


386 78 


366 16 


693 65 


1,068 79 
357 41 


5,290 00 
1,192 49 


1,031 67 


$94,524 23 


$236,390 00 


$47,482 35 

19,650 00 

145,566 71 

661 64 


12,778 21 
10,251 09 


$236,390 00 



MERCHANTS' AND FARMERS' MUTUAL FIRE INSURANCE CO. 55 



Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $494; bonds, $2,221.65; other assets, $34.38, 
Rents accrued on company's property, 
Market value of real estate over book value, 
Market value of stocks and bonds over book value, . 

Gross assets, ....... 

Liabilities. 
Unpaid losses, ....... 

Unearned premiums on outstanding risks, 

Interest due or accrued on borrowed money, . 

Dividends due policy holders, 

Salaries, expenses and accounts, due or accrued, 

Commissions and other charges due agents and brokers, 

State, county and municipal taxes, due or accrued, . 

Due for return premiums, ..... 

Total, 

Surplus to policy holders, ..... 

Total liabilities and surplus, .... 



In force- Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$20,444,729 00 
6,845,256 00 



Cash Prem's. 

$292,627 37 
93,599 19 



$27,289,985 00 

6,509,669 00 

$20,780,316 00 

672,917 00 



$386,226 56 
97,186 04 

$289,040 52 
10,061 06 



$20,107,399 00 $278,979 46 



Miscellaneous. 

Losses incurred during the year, ..... 
Dividends to policy holders during 1909, 20, 30 and 40 per cent. 



52,750 03 

300 00 

2,517 65 

6,915 29 



$248,872 97 



$213 95 

138,101 62 

83 78 

1,654 76 

62 45 

1,537 66 

728 44 

503 21 

$142,885 87 

105,987 10 

$248,872 97 



Conting't Prem's. 

$292,627 37 
93,599 19 

$386,226 56 
97,186 04 

$289,040 52 



$27,462 38 



Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. Book Value. Rate. Market Value. 

60 shares Atch., Topeka & Santa Fe, common, . $5,097 75 123 $7,380 00 
51 " Atch., Topeka & Santa Fe, preferred, . 2,224 44 105 5,355 00 

61 " Boston & Albany, common, . . 11,695 00 230 14,030 00 
25 " Norwich & Worcester, common. . . 4,525 00 210 5,250 00 

34 " Providence & Worcester, preferred, . 6,625 00 270 9,180 00 
7 " Union Pacific, preferred, ... 725 00 104 728 00 

Bank Stocks. 

4 shares Worcester Trust Co., common, . . 920 00 315 1,260 00 
Miscellaneous Stocks. 

13 shares American Tel. & Tel. Co., common, . 2,278 27 143 1,859 00 

35 " Worcester Gas Light Co., common, . 7,535 00 280 9,800 00 

Railroad Bonds. 

Atch., Topeka & Santa Fe general 4s, 1995, . 7,000 00 100 7,000 00 

Atch., Topeka & Santa Fe adjustment 4s, 1995, . 3,500 00 94 3,290 00 

Bangor & Aroostook 4s, 1951, .... 9,700 00 84 8,400 00 



56 



MERRIMACK MUTUAL FIRE INSURANCE CO. 



Buffalo & Susquehanna 4s, 1951, 

Chicago, Rock Island & Pacific 4s, 1934, 

Chicago & Western Indiana 4s, 1952, 

Des Moines & Iowa Falls 5s, 1931, 

Northern Pac.-Gt. Northern 4s, 1921, 

Pere Marquette 4s, 1951, .... 

Pere Marquette 4s, 1943, .... 

Southern Indiana 4s, 1951, 

St. Louis, Iron Mountain & Southern 4s, 1933, 

Worcester Consolidated Street 5s, 1927, 

Corporation Loan. 
Church of Unity note, .... 



Book Value. 


Rate. 


Market Value. 


$4,950 00 


82 


$4,100 00 


9,775 00 


91 


9,100 00 


9,900 00 


94 


9,400 00 


11,165 00 


98 


10,780 00 


3,551 25 


97 


5,820 00 


4,750 00 


87 


4,350 00 


4,775 00 


85 


4,250 00 


14,100 00 


78 


11,700 00 


9,525 00 


88 


8,800 00 


10,500 00 


99 


9,900 00 


750 00 


100 


750 00 


SI 45, 566 71 


$152,482 00 



MERRIMACK MUTUAL FIRE INSURANCE COMPANY, ANDOVER. 

Incorporated Feb. 7, 1828. Commenced business April 8, 1828. 
JOS. A. SMART, President. BURTON S. FLAGG, Secretary. 

Income. 
Net premiums, ......... 

Gross interest on mortgages, $4,235.91 ; collaterals, $39.90; stocks 
and bonds, $4,849.92; bank deposits, $40; all other, $49.33, . 
Dividends on reinsurance and return premiums, 
Commissions on reinsurance, . ..... 

Agents' balances previously charged off, ..... 

Securities previously charged off, ...... 



Total income, ....... 

Ledger assets, Dec. 31, 1908, less error $2.91 in 1908 statement, 



Total, 



Disbursements. 



Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, ..... 

Commissions or brokerage, ..... 

Agency expenses, ....... 

Salaries, fees, etc., of officers and employees, 

Rents, .... .... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 
Borrowed money repaid, ..... 

Interest on borrowed money, .... 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 



$96,136 48 


9,215 06 
2,854 39 

415 05 
39 82 

500 00 



$109,160 80 
197,895 07 


$307,055 87 


$29,005 96 
610 68 


23,131 17 
15,295 58 


84 64 


9,544 60 
790 00 


942 93 


663 90 


327 88 


329 59 


349 85 


134 13 


873 50 


1,056 84 
436 00 


15,000 00 
1,495 90 


379 97 


$100,453 12 



$206,602 75 



MERRIMACK MUTUAL FIRE INSURANCE CO. 



57 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$26,950,146 00 
8,371,715 00 



Ledger Assets. 

Mortgage loans on real estate, ...... $78,162 86 

Book value of stocks and bonds (schedule A), . . . . 108,770 00 

Cash in office, 799 34 

Deposits in trust companies and banks not on interest, . . 1,737 00 

Deposits in trust companies and banks on interest, . . . 4,148 66 

Agents' balances, 12,984 89 

Total ledger assets, $206,602 75 

Non-Ledger Assets. 

Interest due and accrued on : — 

Mortgages, $973.97; bonds, $1,282.49; other assets, $125.90, . 2,382 36 

Market value of stocks and bonds over book value, . . . 3,172 00 

Gross assets, ......... $212,157 11 

Assets not admitted. 

Agents' balances over three months due, .... 276 20 

Admitted assets, $211,880 91 

Liabilities. 

Unpaid losses, $2,332.01 ; less reinsurance, $67.66, . . . $2,264 35 

Unearned premiums on outstanding risks, .... 112,717 45 

Dividends due policy holders, ...... 2,482 32 

Salaries, expenses and accounts, due or accrued, ... 67 65 

State, county and municipal taxes, due or accrued, . . . 537 14 

Due for return premiums, . . . . . . . 441 74 

Borrowed money, ......... 40,000 00 

Total, $158,510 65 

Surplus to policy holders, ....... 53,370 26 

Total liabilities and surplus, $211,880 91 



Cash Prem'8. Conting't Prem's. 

$345,164 04 $345,164 04 
107,357 07 107,357 07 



$35,321,861 00 
8,735,644 00 

$26,586,217 00 
8,030,672 00 



$452,521 11 
125,450 92 

$327,070 19 
91,717 46 



$452,521 11 
125,450 92 

$327,070 19 



$18,555,545 00 $235,352 73 



Miscellaneous. 

Net premiums received from organization of company, . . $3,540,926 72 

Net losses paid from organization of company, . . . 1,480,852 66 

Cash dividends paid policy holders from organization of company, 1,328,350 87 
Losses incurred during the year, ...... 28,240 68 

Dividends to policy holders during 1909, 10-20, 15-20 and 20 per cent. 



58 



MIDDLESEX MUTUAL FIRE INSURANCE CO. 



Schedule A. Stocks and Bonds owned by the Company. 

Bank Stocks. 
16 shares Andover National, 
15 " Lawrence National, 

Miscellaneous Stocks. 
74 shares American Tel. & Tel. Co., . 

Municipal Bonds. 
Andover, Mass., 4s, 1919, 
Andover, Mass., 4s, 1923-28, . 
Railroad Bonds. 
Atch., Topeka & Santa F6 1st 4s, 1958, 
Bangor & Aroostook equipment 5s, 1916, 
Boston & Albanv 4s, 1933, 
Boston Elevated 4£s, 1937, 
Chicago & Northwestern 5s, 1929, 
Chicago Railways 1st 5s, 1927, . 
Chic, Wisconsin & Minnesota 1st 6s, 1916, 
New York, Chicago & St. Louis 4s, 1931, 
N. Y., N H. & Hartford 4s, 1956, 
Southern Pacific 1st ref. 4s, 1955, 
Worcester Consolidated Street 5s, 1927, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. col. trust 4s, 1929, 
Pacific Tel. & Tel. Co. 5s, 1937, 



Book Value. 


Rate. 


Market Value. 


$1,600 


00 


120 


$1,920 00 


1,500 


00 


114 


1,710 00 


9,500 


00 


143 


10,582 00 


8,000 


00 


102 


8,160 00 


7,000 


00 


103 


7,210 00 


9,525 


00 


94 


9,400 00 


2,000 


00 


100 


2,000 00 


3,075 


00 


101 


3,030 00 


10,000 


00 


108 


10,800 00 


4,000 


00 


109 


4,360 00 


3,030 


00 


101 


3,030 00 


5,000 


00 


106 


5,300 00 


9,400 


00 


92 


9,200 00 


9,562 


50 


96 


9,600 00 


9,450 


00 


95 


9,500 00 


2,100 


00 


99 


1,980 00 


11,087 


50 


93 


11,160 00 


2,940 


00 


100 


3,000 00 


$108,770 00 


$111,942 00 



MIDDLESEX MUTUAL FIRE INSURANCE COMPANY, CONCORD. 

Incorporated March 3, 1826. Commenced business March 29, 1826. 
RICHARD F. BARRETT, President. ADAMS TOLMAN, Secretary. 

Income. 

Net premiums, . $184,991 12 

Gross interest on mortgages, $1,721.67; collaterals, $478.03; 
stocks and bonds, $21,681.17; all other, $4.68; gross rents, 
including $1,000 for company's own occupancy, $1,999, . • 25,884 55 



Dividends on reinsurance, 

Total income, 
Ledger assets, Dec. 31, 1908, 

Total, . 



Disbursements. 



Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 
Commissions or brokerage, 
Agency expenses, 

Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, .... 

Furniture and fixtures, . 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 

Taxes on real estate, ...... 

State taxes on premiums, ..... 



2,287 30 



$213,162 97 
618,497 47 

$831,660 44 



$73,975 

1,412 

85,512 

27,251 

207 

16,337 

1,000 

1,564 

903 

35 

47 

869 

646 

268 

1,810 

326 

434 

2,145 



71 

80 

37 

17 

00 

63 

00 

02 

74 

90 

75 

79 

73 

92 

58 

01 

72 

12 



MIDDLESEX MUTUAL FIFE I> - _ 7. > CE CO. 



' 



Insurance department licenses and fees, .... 
Gross loss on sale or maturity of bonds, .... 
Agents 7 balances charged off, ..... 

All other disbursements, ...... 

Total disbursements. ...... 

Balance. .......... 

Lz: :-zz Assets. 
Book value of real estate. ...... 

Mortgage loans on real est:" .... 

Loans secured by collateral (25 shares American Powder 3ifil ls ) , 
Book value of stocks and bonds ^schedule A), . 
Cash in office. ....... 

Deposits in trust companies and banks not on intere^- . 
Agents* balances, ....... 



i :::•" ".ri^r :— t' ; 



N I'X-Lzz :zz Assets 



Interest due and accrued on : — 
Mortgages. $833.19; bonds, $5,835.01; collateral loans. $14.61, 
Rents due and accrued on company's property. 
Market value of real estate over book value. 
Market value of stocks and bonds over book value. 
50 shares Massachusetts Real Estate Co., 
Due from other companies, .... 

Gr:ss jl^t:?. ...... 



Assets xot at : uttse 
Agents* balances over three months due. 
50 shares Massachusetts Real Estate ft 

Aizii::ri i=s-r:s. ..... 

V-Ziii Iissrs. ...... 

Unearned premiums on outstanding risks, 
Dividends due policy holdr: ; 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, 

Surplus over all liabilities, .... 



v " ' 17 

qoo on 



Total liabilities and surplus, 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
E Tired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



Risks axd Premiums. 

147 725,811 00 
13,526,091 00 



.1.-,— , ^ 



$61,251,902 00 
12,897,306 00 

84- s.:4.":"-: :•: 

1 156025 00 
147,198*571 00 



_ V 






_ T - 17 
240 54 

I* _ -' ■_ TT 



$615.12-5 43 



3.100 00 

- :" A , r 

: ' : 

11.290 63 



$615.12-5 43 



6,682 84 
410 00 

IS 477 74 

12.569 11 

900 00 

40 00 

$654,205 12 



-": I" 



353,262 86 

1.614 50 

467 88 

1.111 49 



$358,795 39 


294.434 36 


$653,229 




C:rrtrc-:?T- 


~ 5 


S70S -4c 


- 


202 \-_ 


78 


S.MO.iCS 


4-: 


198.174 


4S 


S712.S-I3 


;•_ 







<- : :. - -■- - 



60 



MIDDLESEX MUTUAL FIRE INSURANCE CO. 



Miscellaneous. 
Net premiums received from organization of company, . . $5,314,274 34 

Net losses paid from organization of company, . . . 2,008,960 82 

Cash dividends paid policy holders from organization of company, 2,232,652 86 
Losses incurred during the year, ...... 73,766 16 

Dividends to policy holders during 1909, 20, 30, 40, 50 and 60 per cent. 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
57 shares Boston & Albany, 
100 " Fitchburg, 

Bank Stocks. 
33 shares Concord National, 

Miscellaneous Stocks 
250 shares The Pullman Co., 

State and Municipal Bonds 
Belmont, Mass., 3£s, 1912, 
Belmont, Mass., 3£s, 1913-14, 
Braintree, Mass., 4s, 1921, 
Concord, Mass., 4s, 1910, . 
Holyoke, Mass., 4s, 1927, 
Lvnn, Mass., 4s, 1918, 
Maiden, Mass., 4s, 1910-11, 
Maiden, Mass., 4s, 1912, . 
Massachusetts 3s, 1930, 
New Britain, Conn., 4s, 1939, 
New Britain, Conn., 4s, 1936, 
Norwich, Conn., 4s, 1931, 
Pawtucket, R. I., 4s, 1910, 
Pawtucket, R. I., 4s, 1929, 
Pittsfield, Mass., 3£s, 1915, 
Stamford, Conn., 4s, 1938, 
Woonsocket, R. I., 4s, 1924, 

Railroad Bonds 
Boston & Albany 4s, 1913, 
Boston & Lowell 4s, 1913, 
Boston & Lowell 3£s, 1923, 
Boston & Maine 4£s, 1944, 
Central Pacific 4s, 1954, . 
Chicago, Burlington & Quincy 4s, 1921, 
Chicago, Burlington & Quincy 3£s, 1949, 
Chic. June. Ry. & Union Stock Yds. Co. 4s, 1940, 
Chicago & Northwestern-Boyer Valley 3£s, 1923, 
Cincinnati, Hamilton & Dayton 5s, 1942, . 
Cleveland & Pittsburg 3£s, 1948-50, . 
Concord & Montreal 4s, 1920, . 
Connecticut & Passumpsic 4s, 1943, . 
Erie & Pittsburg (Pennsylvania) 3£s, 1940, 
Hamilton, Ont., Street 4£s, 1928, 
Lake Shore & Michigan Southern 1st 3|s, 1997, 
Long Island (North Shore Branch) 5s, 1932, 
Mohawk & Mai one 4s, 1991, 
Narragansett Pier 4s, 1916, 
New England 4s, 1945, 

New York Central & Hudson River 3£s, 1997, 
N. Y., N. H. & Hartford 3^s, 1947, . 
N. Y., Ontario & Western 4s, 1992, . 
N. Y., Providence & Boston 4s, 1942, 
Norwich & Worcester 4s, 1927, 
Old Colony 4s, 1925, 
Providence & Worcester 4s, 1947, 
St. Paul, Minneapolis & Manitoba 4£s, 1933, 
Sioux City & Pacific 3£s, 1936, . 
Southern Pacific 6s, 1911, 
Terminal Association of St. Louis 4^s, 1939, 
United Tr. & Elec. Co. of Providence 5s, 1933, 
West End Street 4s, 1915-32, . 



Book Value. 

$5,757 75 

8,660 00 

3,300 00 

26,093 64 

2,000 00 

3,000 00 

15,840 00 

2,010 00 

10,950 00 

6,060 00 

2,000 00 

1,000 00 

10,137 50 

5,068 75 

6,225 00 

4,059 20 

10,487 50 

10,450 00 

4,931 25 

5,092 00 

2,022 50 

10,557 50 
15,500 00 

5,006 25 
11,775 

4,487 

4,034 

3,000 
10,250 00 
10,225 00 
10,100 00 
31,575 00 
25,150 00 
26,600 00 
10,400 00 
10,350 00 
10,912 50 

5,762 50 
11,062 50 
10,375 00 
10,107 50 

4,587 50 
15,262 50 
15,325 00 
12,770 00 
10,575 

5,262 

6,060 
21,825 00 

9,650 00 

5,412 50 
13,630 00 
11,262 50 
15,387 50 

$529,385 89 



00 
50 
55 
00 



00 
50 
00 



Rate. 

230 

132 

175 

190 

99 

98 
102 
100 
103 
101 
100 
101 

90 
100 
100 
100 
100 
102 

99 
100 
100 

100 

100 

95 

107 

92 

100 

90 

92 

94 

107 

96 

100 

100 

94 

95 

92 

106 

100 

100 

101 

91 

87 

97 

101 

100 

100 

100 

107 

92 

101 

107 

106 

100 



Market Value. 

$13,110 00 

13,200 00 

5,775 00 

47,500 00 

1,980 00 
2,940 00 

16,320 00 
2,000 00 

10,300 00 
6,060 00 
2,000 00 
1,010 00 
9,000 00 
5,000 00 
6,000 00 
4,000 00 

10,000 00 

10,200 00 
4,950 00 
5,000 00 
2,000 00 



10,000 

15,000 

4,750 

10,700 

4,600 

4,000 

3,600 

9,200 

9,400 

10,700 

28,800 

25,000 

25,000 

9,400 

9,500 

9,200 

5,300 

10,000 

10,000 

10,100 

4,550 

13,050 

14,550 

12,120 

10,000 

5,000 

6,000 

21,400 

9,200 

5,050 

12,840 

10,600 

15,000 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



$541,955 00 



MUTUAL FIRE ASSURANCE CO. 61 



MUTUAL FIRE ASSURANCE COMPANY, SPRINGFIELD. 

Incorporated Feb. 23, 1827. Commenced business July 23, 1827. 
GEO. B. HOLBROOK, President. HERBERT E. HUIE, Secretary. 

Income. 
Net premiums, . ' . 
Gross interest on mortgages, $2,699.40; stocks and bonds, 

$8,165; bank deposits, $98.04, 

Sale of rights, ......... 

Total income, ........ 

Ledger assets, Dec. 31, 1908, ....... 

Total, 

Disbursements. 

Net amount paid policy holders for losses, .... 

Expenses of adjustment and settlement of losses, 

Dividends to policy holders, ....... 

Salaries, fees, etc. of officers and employees, .... 

Rents, ...... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
State taxes on premiums, 
All other disbursements, 

Total disbursements, 

Balance, .... 

Ledger Assets. 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $975.83; bonds, $1,309.56, . 
Market value of stocks and bonds over book value, 

Gross assets, ...... 

Liabilities. 
Unearned premiums on outstanding risks, 
Dividends due policy holders, 
State, county and municipal taxes, due or accrued, 

Total, 

Surplus to policy holders, .... 

Total liabilities and surplus, 



$19,205 00 

10,962 44 
875 00 


$31,042 44 
224,729 26 


$255,771 70 

$428 58 

27 50 

15,875 95 

3,668 35 

500 00 

39 52 

82 25 

177 53 

234 54 


$21,034 22 


$234,737 48 

$59,800 00 

167,587 11 

631 52 

6,718 85 


$234,737 48 

2,285 39 
28,784 89 


$265,807 76 

$54,200 08 

245 78 

61 99 


$54,507 85 
211,299 91 


$265,807 76 



62 



MUTUAL PROTECTION FIRE INSURANCE CO. 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 



Risks and Premiums. 

Risks. 

. $6,244,925 00 
1,261,950 00 



Cash Prem's. 

$105,930 08 
21,034 87 



Conting't Prem's. 

$105,930 08 
21,034 87 



$7,506,875 00 
1,216,100 00 



$126,964 95 $126,964 95 
19,927 35 19,927 35 



$6,290,775 00 $107,037 60 $107,037 60 



Miscellaneous. 



Losses incurred during the year, ...... 

Dividends to policy holders during 1909, 90 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
100 shares Boston & Albany, 

69 " Chicago, Burlington & Quincy, . 

20 " Holyoke & Westfield, 
269 " New York Central & Hudson River, 

Bank Stocks. 

25 shares Chapin National, Springfield, 

61 " Chicopee National, Springfield, . 

50 " Hadley Falls National, Holyoke, 

10 " Monson National, 

50 " National Bank of Commerce, Boston, 

25 " Springfield National, 
Railroad Bonds. 
Boston & Albany 4s, 1913, 
Boston Elevated 4£s, 1937, 
Boston & Maine 4s, 1926, 
Chesapeake & Ohio 5s, 1939, 
Chicago, Burlington & Quincy 3£s, 1949, 
Connecticut River 3£s, 1923, 
Detroit Southern (Ohio South. Div.) 4s, 1941, 
Holyoke Street 5s, 1915, . 
Illinois Central purchased lines 3£s, 1952, . 
Lake Shore & Michigan Southern 4s, 1931, 
Long Island unified 4s, 1949, 
N. Y. Cent. & Hud. R. (Lake Sh. col.) 3£s, 1998, 
N. Y., N. H. & Hartford 4s, 1955, 
Norfolk & Southern 5s, 1954, . 
Phila., Wilmington & Baltimore 4s, 1932, . 
Reading (Jersey Central col.) 4s, 1951, 
Southern equipment certificates 4£s, 1921, . 
Springfield Street 4s, 1923, 
Vermont Valley 5s, 1910, 
Woronoco Street 5s, 1920, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, 
American Writing Paper Co. 5s, 1919, 



$428 58 



Book Value. 


Rate. 


Market Value. 


$14,073 


25 


230 


$23,000 00 


8,364 


85 


254 


17,526 00 


3,740 


00 


200 


4,000 00 


31,050 


92 


127 


34,163 00 


2,875 


00 


103 


2,575 00 


6,100 


00 


168 


10,248 00 


5,050 


00 


128 


6,400 00 


1,000 


00 


120 


1,200 00 


5,000 


00 


174 


8,700 00 


3,000 


00 


200 


5,000 00 


10,650 


00 


100 


10,000 00 


2,030 


00 


108 


2,160 00 


4,000 


00 


99 


3,960 00 


4,040 


00 


114 


4,560 00 


3,805 


00 


90 


3,600 00 


2,030 


00 


95 


1,900 00 


3,300 


00 


74 


2,220 00 


6,300 


00 


102 


6,120 00 


2,801 


25 


89 


2,670 00 


4,512 


50 


95 


4,750 00 


1,900 


00 


95 


1,900 00 


8,000 


00 


81 


6,480 00 


5,012 


50 


97 


4,850 00 


1,960 


00 


94 


1,880 00 


4,040 


00 


101 


4,040 00 


2,865 


00 


97 


2,910 00 


3,000 


00 


97 


2,910 00 


3,064 


84 


100 


3,000 00 


4,200 


00 


100 


4,000 00 


5,312 


00 


102 


5,100 00 


2,970 


00 


93 


2,790 00 


1,540 


00 


88 


1,760 00 


$167,587 


11 


$196,372 00 



MUTUAL PROTECTION FIRE INSURANCE COMPANY, 

CHARLESTOWN. 

Incorporated April 10, 1861. Commenced business July 15, 1864. 
GEO. H. PENDERGAST, President. FRANK V. NOYES, Secretary. 

Office, Thompson Square. 

Income. 

Net premiums, ......... 

Gross interest on mortgages, $2,007.99; collaterals, $236.25; 
stocks and bonds, $2,863.46; bank deposits, $754.62; gross 
rents, $500, 



$45,833 82 



6,362 32 



MUTUAL PROTECTION FIRE INSURANCE CO. 



63 



Gross profit on sale of stocks and bonds, 
Dividends and return premiums on reinsurance 
Borrowed money, . 

Agents' balances previously charged off, 
Sale of rights, .... 

Total income, 
Ledger assets, Dec. 31, 1908, . 



Total, 



Disbursements. 



Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 
Commissions or brokerage, .... 

Agency expenses, ...... 

Salaries, fees, etc., of officers and employees, . 
Rents, . . . . . . . . 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, . 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and 

Inspections and surveys, .... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 
Interest on borrowed money, .... 

All other disbursements, .... 

Total disbursements, .... 

Balance, 

Ledger Assets. 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, . ... 

Total ledger assets, .... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $634.41; bonds, $615.15, 
Bents accrued on company's property, 
Market value of stocks and bonds over book value, 
Furniture, fixtures and supplies, 

Gross assets, ...... 

Assets not admitted. 
Supplies, printed matter and stationery, . 
Furniture, fixtures and safes, .... 
Agents' balances over three months due, 

Admitted assets, ..... 







$238 75 






1,500 36 

35,000 00 

30 






18 08 




$88,953 63 
116,923 58 




. $205,877 21 






$19,114 92 
330 00 






16,526 63 
6,960 06 

56 74 






9,185 00 






1,300 00 
928 39 






347 59 






183 34 






40 25 






386 70 






254 22 


es, 




43 52 
362 94 
442 72 
337 32 
700 00 
221 50 




$57,721 84 




$148,155 37 






$33,100 00 

89,775 29 
261 47 






20,184 85 






4,833 76 




$148,155 37 


1,249 56 






125 00 






1,963 71 






3,000 00 




$154,493 64 


$500 00 


2,500 00 
260 83 


3,260 83 


$151,232 81 



64 



MUTUAL PROTECTION FIRE INSURANCE CO. 



Liabilities. 
Unpaid losses, ....... 

Unearned premiums on outstanding risks, 
Interest due or accrued on borrowed money, 
Dividends due policy holders, .... 

Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 
Due for return premiums, $0.96; reinsurance, $272.12, 
Borrowed money, ....... 

Total, 

Surplus to policy holders, ..... 

Total liabilities and surplus, .... 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. Cash Prem's. 

$8,176,328 00 $136,725 67 
3,108,017 00 52,456 72 



$872 93 

63,386 00 

108 86 

670 55 

1,089 24 

135 82 

273 08 

35,000 00 

$101,536 48 
49,696 33 

$151,232 81 



Conting't Prem's. 

$136,725 67 
52,456 72 



$11,284,345 00 

2,808,653 00 

$8,475,692 00 

958,390 00 



$189,182 39 $189,182 39 
49,103 14 49,103 14 



$140,079 25 $140,079 25 
15,327 45 



$7,517,302 00 $124,751 80 



Miscellaneous. 

Net premiums received since 1878, ...... 

Net losses paid since 1878, ....... 

Cash dividends paid policy holders since 1878, . . . . 

Losses incurred during the year, ...... 

Dividends to policy holders during 1909, 20, 40 and 60 per cent. 



$510,546 52 

175,901 26 

148,486 53 

17,352 86 



Schedule A. Stocks and Bonds owned by the Company. 



f 

5 
20 
13 

4 

186 

46 



Railroad Stocks. 
shares Atch., Topeka & Santa F6, pref., 
New York Central, . 
" N. Y., N. H. & Hartford, . 
" N. Y., N. H. & Hartford (25% paid), 
" Pennsylvania, .... 
" Pennsylvania (30% paid), 

Miscellaneous Stocks. 
63 shares American Tel. & Tel. Co., 
37 " Charlestown Gas & Electric Co., 

State and Municipal Bonds. 
Maiden, Mass., 4s, 1914, . 
Massachusetts 3^s, 1931, . 
Massachusetts 3s, 1941, 
Middletown, Conn., 3^s, 1925, 
New York, N. Y., 4s, 1956, 
Providence, R. I., 3s, 1930, 
Springfield, Mass., 3£s, 1920, 
Waterbury, Conn., 3£s, 1926, 

Railroad Bonds. 
N. Y., N. H. & Hartford 3£s, 1954, 
N. Y., N. H. & Hartford 6s, 1948, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, 



Book Value. 

$255 00 

2,673 13 

2,719 00 

125 00 

12,789 38 

690 00 

8,735 00 
2,833 00 

5,068 75 

10,168 00 

6,326 25 

7,710 00 

3,825 00 

13,612 50 

988 75 

962 50 

2,915 83 
400 00 

6,978 20 



,775 29 



Rate. 

105 

127 

158 

148 

137 

134 

143 
250 

101 
105 

96 

94 
100 

88 
100 

94 

86 
134 

93 



Market Value. 
$525 00 
2,540 
2,054 
217 
12,741 
1,472 



00 
00 
00 
00 
00 



9,009 00 
4,625 00 

5,050 00 
10,500 00 

6,720 00 

7,520 00 

4,000 
13,200 

1,000 
940 



00 
00 
00 
00 



2,580 00 
536 00 

6,510 00 



$91,739 00 



XEWBURYPORT MUTUAL FIRE INSURANCE 



65 



NEWBURYPORT MUTUAL FIRE INSURANCE OOMPANY, 

XEWBURYPORT. 

Incorporated Feb. 10, 1S29. Commenced business May 1, 1829. 
WILLIAM R. JOE NSON President. CHARLES C. DOXXZLL - 

Income. 
premiums, ....... 

s interest on mortgages, $45; stocks and bonds. $1,8 

bank deposits. $17- _ _: - rents -i" r : 
Gross profit on sale of bon 
Policy fees. ........ 

| Borrowed money. ....... 

7 ;m all other sources. ...... 



::■:.-■ 



Total income. 
Ledger assets. Dec. 31, 1908, . 



8£ " 


':o 


2,097 




:-: '>:• 


110 00 


1.900 00 


12 


;•: 



. - - . : 7 
42 ^9 17 



Total. -;::"- 

I IKKUBSKMKNTS. 

Xet amount paid policy holders for loss t . . . -fl'iS 71 

Expenses of adjustment and settlement of I: isaes, ... 452 

Divi to pohcy holders . . . . 5,553 45 

! Salaries, fe- of officers and emplovees, . . . . _ 

. " _: ' : : 

Advertising, printing and stationery. _ ': \~ 

Postage, telegrams, telephone and expr— . - '■_■'.< 

St te taxes on premiums, . . . . . . ' _ 

Borrowed money repaid, ....... 1,900 00 

Interest on borrowed money. . . . . . 1> 4> 

All other disbursements, -. . . . . •: S ': 



Total disbursemei.: s, .... 

Balaiir ...... 

Ledger Assets. 
Mortgage loans on real estate, .... 

Book value of stc - nd bonds (schedule A), . 
sh in office. ....... 

Deposits iii iris: companies and banks not on inters: 
Deposits in trust companies and banks on kite: est 
Furniture. ........ 

Total ledger asse: ; . ..... 



Non-Ledgkb Assets. 

Interest accrued on: — 

ges $7.92 bonds, S3S4.16, . 

-ue of stocks and bonds over book value, 



Gr<; ss assets 

urniture, . 

Admitted assets, 



SETS NOT ADMITTED. 



M 24 56 



$900 00 

38,606 00 

9 02 

305 98 

4.011 7S 
50 00 


: ' - ' . 


&47.S01 36 
50 00 


>47 "■: : 



615 



NEWBURYPORT MUTUAL FIRE INSURANCE CO. 



Liabilities. 
Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, 

Surplus to policy holders, .... 

Total liabilities and surplus, 



In force Dec. 31, 1908, 
Written during the year 

Total, . 
Expired and terminated 

In force at end of year, 



Risks and Premiums. 

Risks. 

$818,910 00 
240,410 00 



$6,240 86 

37 50 

50 00 

1 08 

$6,329 44 

41,421 92 

$47,751 36 



Cash Prem's. Conting't Prem's. 

$12,464 40 $49,857 60 
3,692 15 14,768 60 



$1,059,320 00 
237,160 00 

$822,160 00 



$16,156 55 
3,627 40 



$12,529 15 



Miscellaneous. 
Losses incurred during the year, .... 
Dividends to policy holders during 1909, 100 per cent. 



$64,626 20 
14,509 60 

$50,116 60 
$168 71 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
10 shares Atch., Topeka & Santa F£, common, 

1 " Atch., Topeka & Santa F<§, pref., 
24 " Boston & Maine, common, 

5 " Chic. June. & Union Stock Yds., pref., 
14 " Chic, Milwaukee & St. Paul, pref., 

4 " Chic, Milwaukee & St. Paul, common, 
10 " N. Y. Cent. & Hudson River, 
Bank Stocks. 
100 shares Merchants National, Newburyport, 
31 " Ocean National, Newburyport, . 
4 " State National, Boston, 
Miscellaneous Stocks. 

8 shares Michigan State Telephone, common, . 
4 " Michigan State Telephone, preferred, . 

21 " Riverbank Court Securities Co., 

10 " United States Rubber Co., 1st pref., . 

10 " Western Union Telegraph Co., . 

10 " Westinghouse Elec & Mfg. Co., pref., 

9 " Westinghouse Elec. & Mfg. Co., assent., 

Municipal Bonds. 
Meriden, Conn., 3^s, 1915, 
Newport News, Va., 4s, 1941, . 
South Bend, Ind., 3£s, 1912, 

Railroad Bonds. 
Bangor & Aroostook consolidated 4s, 1951, 
Chicago, Burl. & Quincy general 4s, 1958, . 
Penobscot Shore Line 4s, 1920, 
Wabash equipment, series C, 4^s, 1916, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, . 
Michigan State Telephone Co. 5s, 1924, 
Minneapolis General Electric 5s, 1934, 
New England Cotton Yarn Co. 5s, 1929, 
Western Telephone & Telegraph Co. 5s, 1932, 
Westinghouse Electric convertible 5s, 1931, 



Book Value. 
$800 00 

100 00 
3,000 00 

625 00 
1,850 00 

400 00 
1,000 00 

2,000 00 

1,550 00 

420 00 

120 00 
400 00 

2,000 00 
500 00 

1,000 00 
750 00 
575 00 

1,000 00 
2,000 00 
1,000 00 

1,730 00 

2,000 00 

2,000 00 

961 00 



2,875 
1,000 
1,000 
1,000 
3,000 
1,950 



00 
00 
00 
00 
00 
00 



Rate. 

123 

105 

149 

118 

172 

158 

127 

127 
126 
182 

101 
96 
85 

117 
78 

132 
83 

98 
96 
99 

84 

100 

98 

98 

93 
99 
100 
105 
98 
93 



Market Value. 

$1,230 00 

105 00 

3,576 

590 

2,408 

632 

1,270 



00 
00 
00 
00 
00 



2,540 
1,953 

728 

808 
384 
1,785 
1,170 
780 
660 
373 



00 
00 
00 

00 
00 
00 
00 
00 
00 
50 



980 00 

1,920 00 

990 00 

1,680 00 

2,000 00 

1,960 00 

980 00 



$38,606 00 



2,790 oo ; 


990 00 • 


1,000 00 


1,050 00 


2,940 00 


1,860 00 


$42,132 50 



NORFOLK MUTUAL FIRE IXSURAJJUE CO. 



67 



NORFOLK MUTUAL FIRE INSURANCE COMPANY. DEDHAM 

Incorporated Feb. 12, 1825. Commenced business July 1, 1S25. 
JAMES Y. XOYES, President. THEODORE T. MARSH. Seenim 

Income. 
Net premiums, ......... 

Gross interest on mortgages, $996.50: stocks and bonds, 
S25.17S.75; bank deposits, $150.25: all other, $5.03: gross 
rents, including S3 75 for company's own occupancy, $1,485.43, 

Gross profit on sale of bonds, . 

Gross increase in book value of bonds. 

Commissions returned, . 

From all other sources. . 



Total income. 
Ledger assets. Dec. 31, 1908, . 

Total. 

Disbursements. 

Net amount paid policy holders for losses. 

Expenses of adjustment and settlement of losses. 

Dividends to policy holders, .... 

Commissions or brokerage, .... 

Agency expenses, . .... 

Salaries, fee?, etc., of officers and employees. 

Rents, including $375 for company's own occupancy, 

Advertising, printing and stationery. 

Postage, telegrams, telephone and expre-?. 

Legal expenses, ..... 

Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters' boards and tariff associations. 

Fire department, patrol and salvage corps fees and taxes. 

Inspections and surveys, .... 

Repairs and expenses on real estate. 

Taxes on real estate, ..... 

State taxes on premiums, .... 

Gross loss on sale of real estate. 

Gross decrease in book value of stocks and bonds, 

Borrowed money repaid, .... 

Interest on borrowed money. .... 

All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Book value of real estate. ..... 

Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest. 
Deposits in trust companies and banks on interest, . 
Agents' balances. ....... 

Total ledger assets .... 



$S6,7S4 21 



27,815 96 

110 00 

24.227 25 

444 49 

523 73 



$139,905 64 

656,604 87 



$796,510 


51 


121,414 95 


-." 


60 


50,585 


73 


13,612 


56 


19 


41 


7,008 


30 


425 


00 


B62 


_ 


312 


25 


25 


00 


107 


25 


110 00 


323 


B8 


217 


71 


21 


00 


95S 


40 


440 


85 


879 


7^ 


913 


50 


54.644 


32 


15,000 


:: 


175 


00 


250 


23 


$168,793 


78 


$627,716 


73 


$15,000 00 


IS. 550 00 


376,461 


43 


_ 


72 


1.612 


~?b 


12. " 


13 


3.431 


90 


1627,716 


73 



68 



NORFOLK MUTUAL FIRE INSURANCE CO. 



Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $321.66; bonds, $6,600.17, . 
Rents due on company's property, .... 
Market value of stocks and bonds over book value, . 

Gross assets, ....... 

Assets not admitted. 
Agents' balances over three months due, 

Admitted assets, ...... 

Liabilities. 
Unpaid losses, ....... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for return premiums, ..... 

Total, 

Surplus to policy holders, ..... 

Total liabilities and surplus, .... 



$6,921 83 

187 50 

36,378 57 


$671,204 63 
23 39 


$671,181 24 

$4,134 29 

192,968 53 

1,464 23 

215 23 

100 00 

260 45 



$199,142 73 
472,038 51 

$671,181 24 



Risks and Premiums. 

Risks. 

. $25,924,146 00 
6,313,080 00 



Cash Prem's. 

$369,689 22 
91,099 36 



Conting't Preni's. 

$369,689 22 
91,099 36 



$32,237,226 00 
6,017,527 00 



$460,788 58 $460,788 58 
87,310 30 87,310 30 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . . $26,219,699 00 $373,478 28 $373,478 28 

« 
Miscellaneous. 

Net premiums received from organization of company (ap- 
proximate), $3,305,035 44 

Net losses paid from organization of company (approximate), 1,185,460 92 
Cash dividends paid policy holders from organization of com- 
pany (approximate), ........ 1,610,710 39 

Losses incurred during the year, ...... 25,514 32 

Dividends to policy holders during 1909, 25, 50 and 70 per cent. 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
100 shares Atch., Top. & Santa F6, common, 
213 " Atch., Top. & Santa F6, preferred, 
125 " Boston & Albany, . 

75 " Boston & Lowell, 

20 " Boston & Providence, 
100 " Old Colony, . 
1 60 " Union Pacific, preferred, 

PP* ■ Miscellaneous Stocks. 

£80 shares Dedham Water Co., 

Municipal Bonds. 
Boston, Mass., 4s, 1921, . 
Boston, Mass., 4s, 1923, . 



Book Value. 
$9,418 75 

4,678 20 
22,494 24 
10,818 25 

4,070 50 
17,071 74 

2,670 00 

8,000 00 

13,478 75 
2,235 00 



Rate. 

123 

105 

230 

229 

298 

198 

104 

110 

102 
103 



Market Value. 

$12,300 00 

22,365 00 

28,750 00 

17,175 00 

5,960 00 

19,800 00 

6,240 00 

8,800 00 

13,260 00 
2,060 00 



PAPER MILL MUTUAL INSURANCE CO. 



69 



Chelsea, Mass., 4s, 1936, . 
Chicago, 111., 4s, 1922, 
Fall River, Mass., 4s, 1929, 
Lawrence, Mass., 4s, 1917, 
Lynn, Mass., 4s, 1926-29, 
Newton, Mass., 4s, 1915, . 
Newton, Mass., 4s, 1920, . 
Newton, Mass., 4s, 1924-28, 
New York, N. Y., 4^s, 1957, 
North Andover, Mass., 4s, 1923, 
Salem, Mass., 4s, 1914, 
Taunton, Mass., 4s, 1914, 
Taunton, Mass., 4s, 1928, 

Railroad Bonds. 
Atch., Topeka & Santa Fe general 4s, 1995, 
Atch., Topeka & Santa Fe adjustment 4s, 1995, 
Boston & Albany 3^s, 1952, 
Boston & Lowell 4s, 1913-32, 
Boston & Maine 4s, 1942, 
Boston & Maine 4^s, 1944, 
Boston & Providence 4s, 1918, 
Boston, Revere Beach & Lvnn 4-^s, 1927, . 
Chicago, Burl. & Quincy (111. Div.) 4s, 1949, 
Concord & Montreal 1st mort. 4s, 1920, 
Connecticut & Passumpsic River 4s, 1943, . 
Dexter & Newport 4s, 1917, 

Fitchburg 4s, 1915, 

Fitchburg 4s, 1927, 

Fremont, Elkhorn & Missouri Valley 6s, 1933, 

Illinois Central 3+s, 1951, 

Maine Central 4-|s, 1912, . 

Maine Central 5s, 1923, .... 

N. Y. Cent. & H. R. (Lake Sh. col.) 3|s, 1998, 

N. Y., N. H. & Hartford 4s, 1947, 

No. Pac.-Gt. Nor. joint (C, B. & Q. col.) 4s, 1921 

Norwich & Worcester 4s, 1927, 

Old Colonv 4s, 1925-38, .... 

Old Colony 3£s, 1932, .... 

Oregon Short Line 6s, 1922, 

Philadelphia & Reading 7s, 1911, 

Portland & Rumford Falls 4s, 1926, . 

Rock Island & Frisco Terminal 1st 5s, 1927, 

Union Pacific 1st 4s, 1947, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. col. trust 4s, 1929, 



Book Value. 


Rate. 


Market Value. 


$11,937 


50 


106 


$10,600 00 


5,056 


25 


101 


5,050 00 


2,317 


50 


103 


2,060 00 


5,600 


00 


102 


5,100 00 


20,596 


25 


. 102 


19,380 00 


1,106 


25 


101 


1,010 00 


2,262 


50 


102 


2,040 00 


13,562 


50 


103 


12,360 00 


10,262 


50 


111 


11,100 00 


5,631 


25 


103 


6,180 00 


5,403 


50 


101 


5,050 00 


4,350 


00 


102 


4,080 00 


6,855 


00 


105 


6,300 00 


17,550 


00 


100 


22,500 00 


5,160 


00 


94 


11,280 00 


20,562 


50 


90 


18,000 00 


15,212 


50 


100 


15,000 00 


14,881 


25 


99 


13,860 00 


23,725 


00 


107 


21,400 00 


20,450 


00 


100 


20,000 00 


10,800 


00 


103 


10,300 00 


10,125 


00 


101 


10,100 00 


. - 10,200 


00 


100 


10,000 00 


5,037 


50 


100 


5,000 00 


6,210 


00 


98 


5,880 00 


5,312 


50 


100 


5,000 00 


22,447 


50 


99 


19,800 00 


5,441 


25 


130 


6,500 00 


4,925 


00 


92 


4,600 00 


10,700 


00 


101 


10,100 00 


5,412 


50 


109 


5,450 00 


8,625 


00 


81 


8,100 00 


17,450 


00 


97 


18,430 00 


22,000 


00 


97 


21,340 00 


21,450 


00 


100 


20,000 00 


36,505 


00 


100 


36,000 00 


5,150 


00 


93 


4,650 00 


10,100 


00 


117 


11,700 00 


8,000 


00 


104 


8,320 00 


10,000 


00 


99 


9,900 00 


15,750 


00 


100 


15,000 00 


4,050 


00 


102 


4,590 00 


13,352 


50 


93 


13,020 00 


$576,461 


43 


$612,840 00 



PAPER MILL MUTUAL INSURANCE COMPANY, BOSTON. 

Incorporated November, 1886. Commenced business April 1, 1887. 
R. W. TOPPAN, President. D. W. LANE, Secretary. 

Office, 31 Milk Street. 



Income. 
Net premiums, . . . . . . . 

Gross interest on bonds, $6,867.28; bank deposits, $372.08, 

Total income, ....... 

Ledger assets, Dec. 31, 1908, 

Total, 

Disbursements. 

Net amount paid policy holders for losses, 

Dividends to policy holders, ...... 



$197,975 23 
7,239 36 

$205,214 59 
184,007 79 

$389,222 38 



$3,779 71 
166,055 66 



70 



PAPER MILL MUTUAL INSURANCE CO. 



Salaries, fees, etc., of officers and employees, 
Rents, ...... 

Printing and stationery, 

Postage, telegrams, telephone and express, 

Furniture and fixtures, . 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Other licenses, fees and taxes, 

Gross decrease in book value of bonds, 

All other disbursements, 

Total disbursements, 

Balance, .... 

Ledger Assets. 
Book value of bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Premiums in course of collection, 

Total ledger assets, .... 

Non-Ledger Assets. 
I nt crest accrued on bonds, .... 
Market value of bonds over book value, . 

Gross assets, ...... 

Liabilities. 

Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, 

Surplus to policy holders, .... 

Total liabilities and surplus, 



In force Dec. 31, 1908, 
Written during the year 

Total, . 
Expired and terminated 

In force at end of year, 



Risks and Premiums. 

Risks. 

. $23,274,010 00 
. 27,624,509 00 



$50,898,519 00 
24,543,085 00 



Ca8h Prem's. 

$176,878 33 
203,589 39 

$380,467 72 
184,127 14 



$7,417 00 

480 00 

630 98 

172 02 

50 45 

21 96 

3,118 45 

1,850 89 

124 77 

1,020 00 

131 12 

$184,853 01 

$204,369 37 



$176,396 20 

112 45 

25,902 52 

1,958 20 

$204,369 37 



2,117 43 
533 80 

$207,020 60 



$250 00 

98,170 29 

1 75 

2,336 04 

$100,758 08 
106,262 52 

$207,020 60 



Conting't Prem's. 

$884,391 65 
1,017,916 95 

$1,902,308 60 
920,605 70 



$26,355,434 00 $196,340 58 $981,702 90 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends paid policy holders from organization of company, 
Losses incurred during the year, ...... 

Dividends to policy holders during 1909, 93 per cent. 



$1,888,766 54 

155,534 68 

1,457,814 83 

3,915 13 



QUINCY MUTUAL FIRE INSURANCE CO. 



71 



Schedule A. Bonds owned by the Company. 



Municipal Bonds 
Boston, Mass., 3|s, 1932-33, 
Newton, Mass., 4s, 1922, . 
New York, N. Y., 4*s, 1957, . 
Railroad Bonds. 
Boston & Albany 4s, 1913, 
Boston Elevated 4s, 1935, 
Boston & Lowell 4s, 1916, 
Boston & Maine 4^s, 1944, 
Boston & Maine 4s, 1926, 
Chic, Burl. & Quincy (111. Div.) 4s, 1949, 
Chicago, Burl. & Quincy general 4s, 1958, 
Chicago June. & Union Stock Yards 4s, 1940, 
Cincinnati, Sandusky & Cleveland 5s, 1928, 
Concord & Montreal 4s, 1920, 
Delaware & Hudson 4s, 1943, 
Fitchburg 4s, 1927, . 
Maine Central 5s, 1923, 
Mohawk & Malone 4s, 1991, 
N. Y. Cent. & Hud. R. (Lake Sh. col.) 3£s, 1998 
New York Central equipment 5s, 1919, 
N. Y., N. H. & H. (Pt. Chester Div.) 4s, 1954, 
Pennsylvania 5s, 1919, .... 
Pennsylvania 4s, 1948, .... 
West End Street 4s, 1915-32, . 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, . 
Massachusetts Gas Co. 4^s, 1929, 
New York Telephone Co. 4£s, 1939, . 



Book Value. 


Rate. 


Market Value. 


$15,000 


00 


96 


$14,400 00 


5,050 


00 


102 


5,100 00 


5,175 


00 


111 


5,550 00 


10,000 


00 


100 


10,000 00 


20,100 


00 


100 


20,000 00 


5,030 


00 


100 


5,000 00 


5,350 


00 


107 


5,350 00 


4,825 


00 


99 


4,950 00 


4,837 


50 


101 


5,050 00 


9,875 


00 


100 


10,000 00 


4,950 


00 


92 


4,600 00 


5,025 


00 


109 


5,450 00 


5,000 


00 


100 


5,000 00 


5,000 


00 


100 


5,000 00 


5,000 


00 


99 


4,950 00 


5,050 


00 


109 


5,450 00 


5,100 


00 


100 


5,000 00 


4,993 


75 


81 


4,050 00 


4,993 


75 


106 


5,300 00 


5.000 


00 


101 


5,050 00 


5,100 


00 


110 


5,500 00 


1,923 


08 


104 


2,080 00 


15,112 


50 


100 


15,000 00 


9,106 


25 


93 


9,300 00 


4,987 


50 


98 


4,900 00 


4,811 


87 


98 


4,900 00 


$176,396 


20 


$176,930 00 



QUINCY MUTUAL FIRE INSURANCE COMPANY, QUINCY. 

Incorporated March 22, 1851. Commenced business May, 1851. 
CHARLES A. HOWLAND, President. JAMES F. YOUNG, Secretary 

Income. 

Net premiums, ......... 

Gross interest on mortgages, $3,513.76; collaterals, $7,609.12; 
stocks and bonds, $17,198.42; bank deposits, $641.36; all 
other, $1; gross rents, including $600 for company's own 
occupancy, $1,934.47, ....... 

Gross profit on sale or maturity of ledger assets, 

Dividend Continental National Bank in liquidation, . 



Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 
Commissions or brokerage, 
Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ..... 



$166,259 13 



30,898 13 

1,825 75 

46 00 



$199,029 01 
709,024 63 

$908,053 64 



$53,618 36 

971 03 

63,839 83 

25,439 86 

17,073 21 

600 00 

3,091 24 

1,228 87 

31 00 



72 



QUINOY MUTUAL FIKE INSURANCE CO. 



Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 

Taxes on real estate, ...... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 
Gross loss on sale or maturity of ledger assets, 
All other disbursements, .... 

Total disbursements, .... 



Balance, ...... 

Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 

Interest due and accrued on: — 
Mortgages, $647.31; bonds, $2,887.01 ; collateral loans, $473.99 

other assets, $78.44, ..... 
Rents due and accrued on company's property, 
Market value of real estate over book value, 
Market value of stocks and bonds over book value, 

Gross assets, ...... 

Assets not admitted. 

Agents' balances over three months due, 
Town of Framingham 4 per cent, note, 1909, disal 
lowed and interest on same, 

Admitted assets, ..... 

Liabilities. 
Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, 

Surplus to policy holders, .... 

Total liabilities and surplus, . 



$1,560 05 
569 42 
554 60 
201 22 
938 40 
660 98 
614 08 
2,132 44 
496 69 

12,925 00 
1,458 45 



. 


$188,004 73 


. 


$720,048 91 




$20,433 30 




76,979 33 




130,600 00 




445,387 11 




584 57 




32,011 36 




14,053 24 


. 


$720,048 91 


ms, $473.99; 






4,086 75 




285 98 


. 


7,317 70 




62,122 89 


. 


$793,862 23 


. $3,592 60 




. 25,208 32 


28,800 92 


. 


$765,061 31 




$5,006 92 




276,386 87 




2,668 72 




349 00 




340 99 




$284,752 50 


. 


480,308 81 



$765,061 31 



QUINCY MUTUAL FIRE INSURANCE CO. 



73 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. Cash Prem's. 

. $34,371,452 00 $517,685 56 

. 11,126,368 00 173,131 15 



Conting't Prem's. 

$517,685 56 
173,131 15 



$45,497,820 00 
10,000,653 00 



$690,816 71 $690,816 71 
158,055 43 158,055 43 



. $35,497,167 00 $532,761 28 $532,761 28 

Miscellaneous. 

Net premiums received from organization of company, . . $6,457,188 01 

Net losses paid from organization of company, . . . 2,767,881 73 

Cash dividends paid policy holders from organization of company, 2,335,646 51 

Losses incurred during the year, ...... 57,952 78 

Dividends to policy holders during 1909, 20, 40 and 60 per cent. 



Schedule A. Securities held as Collateral. 

Company's 
Market Value. 



250 shares Quincy Electric Light & Power Co., 
125 " Lawrence Duck Co., 

41 " National Granite Bank, 
103 " National Granite Bank, 
Mortgage note of Geo. W. Hollis, 
Mortgage note of J. E. McDonald, 

70 shares Wachusett National Bank, 
Dallas Cotton Mills 6s, 1926, 

50 shares King Coal Co., 
100 " North Packing & Provision Co., 
360 " Swift & Co., . 

24 " New England Tel. & Tel. Co., 



$30,000 00 

12,500 00 

6,560 00 

16,480 00 

49,000 00 

9,000 00 

7,000 00 

6,000 00 

5,000 00 

10,000 00 

39,960 00 

3,312 00 



Loaned 
Thereon. 

$25,000 00 
15,000 00 
10,600 00 
30,000 00 

10,000 00 

7,500 00 

30,000 00 
2,500 00 



$194,812 00 $130,600 00 



Schedule B. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
11 shares Old Colony, . 

Bank Stocks. 

100 shares Brockton National, . 

250 " Commonwealth Trust Co., Boston, 
32 " First National, South Weymouth, 
48 " Granite National, Quincy, 
40 " Hingham National, . 
40 " Merchants National, Boston, 

329 " Mt. Wollaston National, Quincy, 
20 " Old Colony National, Plymouth, 
29 " PlymouthNational, 
10 " Quinsigamond Nat., Worcester (in liq.) 
88 " Rockland National, Boston, 
50 " Rockland Trust Co., 
87 " Second National, Boston, . 
60 " State National, Boston, 
50 " State Street Trust Co., Boston, 
50 " Wachusett National, Fitchburg, 

Miscellaneous Stocks. 
200 shares Lawrence Duck Co., 
32 " Michigan Telephone Co., 

State and Municipal Bonds 
Framingham, Mass., 4s, 1909, . 
Massachusetts 3s, 1930, . 
Providence, R. I., 3s, 1930, 

Railroad Bonds. 
Granite Railway note, 5s, 1910, 
Granite Railway note, 5^s, 1910, 



Book Value. 
$1,100 00 

10,000 00 
37,500 00 
3,538 75 
6,295 75 
5,639 25 
6,040 00 
40,490 75 
2,300 00 
3,433 00 

12,056 00 
6,000, 00 

15,056 00 
8,792 88 
5,000 00 

10,000 00 

20,000 00 
1,605 00 

25,000 00 
48,187 50 
19,050 00 

5,000 00 
5,000 00 



Rate. 
198 

140 
205 
100 
160 
110 
252 
125 
112 
120 

171 

140 
241 

182 
250 
100 

100 
96 

100 
97 



100 
100 



Market Value. 
$2,178 00 

14,000 00 

51,250 00 

3,200 00 

7,680 00 

4,400 00 

10,080 00 

41,125 00 

2,240 00 

3,480 00 

15,048 00 
7,000 00 
20,967 00 
10,920 00 
12,500 00 
5,000 00 

20,000 00 
3,072 00 

25,000 00 
48,500 00 
17,600 00 

5,000 00 
5,000 00 



74 



RUBBER MANUFACTURERS MUTUAL INSURANCE CO. 



Nor. Pac.-Gt. Nor. 4s, 1921, 
Oregon Short Line 4s, 1929, 
Peoria Ry. Terminal 1st 4s, 1937, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. col. trust 4s, 1929, 
Lawrence Duck Co. note, 5^s, 1910, . 
Lawrence Duck Co. note, 6s, 1910, 
Michigan State Telephone Co. 1st 5s, 1924, 
Minneapolis General Electric Co. 5s, 1934, . 
New York Telephone Co. 4£s, 1939, . 
Pacific Telephone & Telegraph Co. 5s, 1937, 
Quincy Elec. Light & Power Co. note, 5s, 1910, 
Seattle Electric 5s, 1929, .... 
Tacoma Gas Light Co. 5s, 1926, 



Book Value. 


Rate. 


Market Value. 


$24,033 48 


97 


$46,560 00 


9,487 50 


95 


9,500 00 


11,900 00 


87 


12,180 00 


23,268 75 


93 


23,250 00 


10,000 00 


100 


10,000 00 


5,000 00 


100 


5,000 00 


8,000 00 


99 


7,920 00 


17,012 50 


100 


17,000 00 


9,725 00 


98 


9,800 00 


9,625 00 


100 


10,000 00 


5,000 00 


100 


5,000 00 


10,000 00 


99 


9,900 00 


5,250 00 


88 


6,160 00 


$445,387 11 


$507,510 00 



RUBBER MANUFACTURERS' MUTUAL INSURANCE COMPANY, 

BOSTON. 

Incorporated Nov. 4, 1884. Commenced business Jan. 15, 1885. 
ARTHUR H. LOWE, President. BENJAMIN TAFT, Secretary. 

Office, 31 Milk Street. 

Income. 

Net premiums, $459,507 28 

Gross interest on bonds, $15,521.11; bank deposits, $1,107.39, . 16,628 50 



Total income, 
Ledger assets, Dec. 31, 1908, 

Total, . 



Disbursements. 



Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, ..... 

Salaries of special agents, ..... 

Salaries, fees, etc., of officers and employees, . 
Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Gross decrease in book value of bonds, 

Premiums of 1909 paid in 1908, .... 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets, 

Book value of bonds (schedule A), . 

Cash in office, ....... 



$476,135 78 
414,140 39 

$890,276 17 



$22,950 42 

78 17 

383,552 53 

201 03 

14,837 32 

1,293 93 

1,279 78 

827 99 

98 94 

176 26 

12,866 17 

5,299 26 

58 00 

128 99 

4,785 00 

3,504 24 

2,216 30 

$454,154 33 

$436,121 84 



$373,702 50 
125 85 



RUBBER MANUFACTURERS MUTUAL INSURANCE CO. 



70 



Deposits in trust companies and banks on interest, 
Premiums in course of collection, 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest due and accrued on bonds, 

Gross assets, . 

Assets not admitted. 
Book value of bonds over market value, . 

Admitted assets, ..... 

Liabilities. 
Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, 

Surplus to policy holders, .... 

Total liabilities and surplus, 



$48,851 97 
13,441 52 

$436,121 84 



5,882 07 
$442,003 91 



2,292 50 
$439,711 41 



$3,856 65 

228,931 06 

311 09 

7,108 91 

$240,207 71 
199,503 70 

$439,711 41 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. Cash Preni's. Conting't Prenrs. 

. $52,938,745 00 $471,694 60 $2,358,473 00 

. 55,558,447 00 482,091 62 2,410,458 10 



$108,497,192 00 
56,365,140 00 



$953,786 22 $4,768,931 10 
495,924 10 2,479,620 50 



$52,132,052 00 $457,862 12 $2,289,310 60 



Miscellaneous. 

Net premiums received from organization of company, . . $6,395,426 13 

Net losses paid from organization of company, . . . 1,158,323 22 

Cash dividends paid policy holders from organization of company, 4,389,408 42 

Losses incurred during the year, ...... 23,998 28 

Dividends to policy holders during 1909, 81.04 per cent. 

Schedule A. Bonds owned by the Company. 

State and Municipal Bonds. 
Fall River, Mass., 3^s, 1915, 
Massachusetts 3^s, 1940, .... 

Railroad Bonds. 
Atchison, Topeka & Santa Fe 4s, 1928, 
Bangor & Aroostook consolidated 4s, 1951, 
Bangor & Aroostook 5s, 1943, . 
Boston Elevated 4s, 1935, 
Boston & Lowell 3|s, 1919, 
Boston & Maine 4s, 1926, 
Boston & New York Air Line 4s, 1955, 
Chicago & Eastern Illinois equipment 4^s, 1914, 
El Paso & Rock Island 5s, 1951, 
Fitchburg 4s, 1927-28, .... 
Lake Shore & Michigan Southern 4s, 1928, 
Lake Shore & Michigan Southern 4s, 1931, 
Maine Central 4£s, 1916, . 
Maine Central 4s, 1912, .... 



Book Value. 


Rate. 


Market Value. 


$20,000 


00 


99 


$19,800 00 


18,000 


00 


97 


17,460 00 


9,820 


00 


97 


9,700 00 


4,250 


00 


84 


4,200 00 


10,000 


00 


112 


11,200 00 


6,000 


00 


100 


6,000 00 


20,000 


00 


96 


19,200 00 


9,643 


75 


99 


9,900 00 


3,000 


00 


100 


3,000 00 


4,937 


50 


99 


4,950 00 


5,000 


00 


105 


5,250 00 


20,000 


00 


99 


19,800 00 


2,970 


00 


96 


2,880 00 


14,790 


00 


95 


16,150 00 


16,000 


00 


103 


16,480 00 


4,000 


00 


100 


4,000 00 



76 



SALEM MUTUAL FIRE INSURANCE CO. 



Marvland, Delaware & Virginia 5s, 1955, 

New York Central & Hudson River 3£s, 1998, 

New York, Chicago & St. Louis 4s, 1931, . 

New York, New Haven & Hartford 4s, 1955, 

New York, New Haven & Hartford 4s, 1914, 

Northern Maine Seaport 5s, 1935, 

Nor. Pac.-Gt. Nor. (C, B. & Q.) 4s, 1921, . 

Pennsylvania 3^s, 1915, . 

Richmond-Washington 4s, 1943, 

St. Louis Merchants Bridge Terminal 5s, 1930, 

West End Street 4s, 1917, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, . 
American Writing Paper Co. 5s, 1919, 
New England Tel. & Tel. Co. 5s, 1919, 
New England Tel. & Tel. Co. 4s, 1930, 
Western Union Telegraph Co. 4£s, 1950, 



Book Value. 


Rate. 


Market Value. 


$10,000 


00 


100 


$10,000 00 


14,925 


00 


81 


12,150 00 


9,262 


50 


92 


9,200 00 


20,000 


00 


97 


19,400 00 


980 


00 


99 


990 00 


15,000 


00 


107 


16,050 00 


16,310 


00 


97 


16,490 00 


945 


00 


97 


970 00 


9,000 


00 


100 


9,000 00 


25,000 


00 


109 


27,250 00 


4,993 


75 


100 


5,000 00 


21,875 


00 


93 


20,460 00 


10,000 


00 


88 


8,800 00 


10,000 


00 


103 


10,300 00 


17,000 


00 


94 


15,980 00 


20,000 


00 


97 


19,400 00 


$373,702 


50 


$371,410 00 



SALEM MUTUAL FIRE INSURANCE COMPANY, SALEM. 

Incorporated April 17, 1838. Commenced business May 1, 1838. 
S. HERBERT WILKINS, President. ARTHUR DERBY, Secretary. 

Income. 

Net premiums, $37,638 01 

Gross interest on mortgages, $16.50; stocks and bonds, $3,317; 

bank deposits, $63.01, 3,396 51 

Dividends on reinsurance, ..... 282 90 

Total income, ...... 

Ledger assets, Dec. 31, 1908, ..... 



Total, 



Disbursements. 



Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . . 

Commissions or brokerage, ..... 

Salaries, fees, etc., of officers and employees, . 
Rents, ......... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, ....... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, ..... 

Gross loss on sale or maturity of bonds, . 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 





$41,317 42 
89,992 76 


$131,310 18 




$11,369 23 
196 76 




10,946 


15 




6,048 


15 




4,128 00 
600 00 




227 


76 




304 27 




198 


82 




95 


30 




259 


41 




86 


27 




111 


10 




386 23 




411 


29 




49 30 


$35,418 04 


$95,892 


14 


$300 00 




88,092 


91 



SALEM MUTUAL FIRE INSURANCE CO. 



77 



Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $1.05; bonds, $1,046.18, 
Commission on unpaid return premiums, 

Gross assets, ...... 

Assets not admitted. 

Agents' balances over three months due, 

Book value of stocks and bonds over market value, 

Admitted assets, ..... 

Liabilities. 

Unpaid losses, $1,062.19; less reinsurance, $2.50, 
Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Due for return premiums, .... 

Total, 

Surplus to policy holders, .... 

Total liabilities and surplus, 

Risks and Premiums. 

Risks. 

In force Dec. 31, 1908, . . $6,217,229 00 

Written during the year, 



$338 91 
3,724 09 
3,436 23 



,892 14 





1,047 23 

47 76 


. $109 65 
. 1,324 91 


$96,987 13 
1,434 56 


$95,552 57 

$1,059 69 

48,792 32 

876 73 

78 76 

102 19 

288 00 


$51,197 69 
44,354 88 


. . . 


$95,552 57 



Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



2,605,716 00 

&8,822,945 00 
2,567,080 00 

£6,255,865 00 
219,000 00 



Cash Prem's. Conting't Prem's. 

$106,729 94 $106,729 94 
41,131 14 41,131 14 



$147,861 08 $147,861 08 
44,170 64 44,170 64 



$103,690 44 $103,690 44 
3,756 97 



$99,933 47 



. $6,036,865 00 

Miscellaneous. 
Losses incurred during the year, ...... 

Dividends paid policy holders during 1909, 20, 25, 30, 35 and 
40 per cent. 



1,665 89 



Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. Book Value. Rate. Market Value. 

7 shares Boston & Maine, preferred, . . $700 00 160 SI, 120 00 

2 " Boston & Maine, common, . . . 200 00 149 298 00 

Miscellaneous Stocks. 

15 shares Salem Gas Light Co., . . . 1,500 00 210 3,150 00 

State and Municipal Bonds. 

Akron, O., 4A S , 1911, 1,052 50 101 1,010 00 

Akron, O., 4s, 1913, 1,034 92 100 1,000 00 



78 



SALISBURY AND AMESBURY MUTUAL FIRE INSURANCE CO. 



Boston, Mass., 3^s, 1928, . 
Boston, Mass., 4s, 1916, . 
Boston, Mass., 3£s, 1919-20, 
Brockton, Mass., 4s, 1910, 
Brockton, Mass., 4s, 1913-15, 
Canton, O., 3£s, 1915, 
Chelsea, Mass., 4s, 1911, . 
Chicago, 111., 4s, 1921, 
Columbus, O., 4s, 1910-12, 
Columbus, O., 4s, 1934, op. 1914, 
Cranston, R. I., 4s, 1925, . 
Dayton, O., 4s, 1915, 
Dayton, O., 3£s, 1917, 
Gloucester, Mass., 4£s, 1916, 
Haverhill, Mass., 4s, 1922, 
Lynn, Mass., 3£s, 1913, 
Lynn, Mass., 4s, 1921, 
Marlborough, Mass., 4s, 1911, 
Massachusetts 3s, 1928, . 
Massachusetts 3£s, 1938, . 
Medford, Mass., 4s, 1917, . 
Meriden. Conn., 3£s, 1919, 
Minneapolis, Minn., 4^s, 1914, 
New Bedford, Mass., 4s, 1912, 
New Britain, Conn., 4s, 1918, 
Northampton, Mass., 3£s, 1912, 
Peabodv, Mass., 3is, 1911, 
Peabodv, Mass., 4s, 1921, 
Peoria, 111., 4s, 1926, 
Portland, Me., 4s, 1928, . 
Portsmouth, N. H., 4s, 1913, 
Quincv, 111., 4£s, 1911, 
Quincy, Mass., 3.65s, 1911, 
Quincv, Mass., 4s, 1916, . 
Stamford, Conn., 3£s, 1921, 
Stamford, Conn., 4s, 1914, 
Swampscott, Mass., 4s, 1911, 

Toledo, ()., 5s, 1911, 
Toledo, O., 4s, 1922, 
Yonkers, N. Y., 4£s, 191.".. 
Yonkers, N. Y., 4£s, 1916-17, 

Railroad Bonds 
Boston & Albanv 4s, 1913, 
Boston & Lowell 4s, 1913-32, 
Boston & Maine 4s, 1937-42, 
Boston & Providence 4s, 1918, 
Fitchburg 4s, 1927, . 
Maine Central 4s, 1912, . 
Old Colonv 4s, 1925, 
^Y('st End Street 4s, 1932, 



Book Value. 


Rate. 


Market Value. 


$1,081 


25 


97 


$970 00 


1,111 


25 


101 


1,010 00 


3,148 


75 


98 


2,940 00 


1,070 


00 


100 


1,000 00 


2,012 


50 


101 


2,020 00 


997 


50 


98 


980 00 


2,170 


00 


101 


2,020 00 


3,125 


00 


101 


3,030 00 


3,112 


50 


100 


3,000 00 


2,047 


50 


101 


2,020 00 


1,050 


00 


101 


1,010 00 


1,038 


70 


101 


1,010 00 


1,996 


51 


98 


1,960 00 


3,111 


00 


104 


3,120 00 


1,120 


00 


102 


1,020 00 


2,020 


00 


99 


1,980 00 


990 


00 


101 


1,010 00 


1,092 


50 


100 


1,000 00 


1,020 


00 


91 


910 00 


2,280 


00 


97 


1,940 00 


1,060 


00 


102 


1,020 00 


1,047 


80 


96 


960 00 


1,122 


50 


103 


1,030 00 


2,152 


50 


100 


2,000 00 


3,122 


98 


100 


3,000 00 


1,020 


00 


99 


990 00 


1,012 


63 


99 


990 00 


1,022 


.->() 


100 


1,000 00 


1,020 


80 


100 


1,000 00 


5,100 


00 


103 


5,150 00 


1,023 


44 


100 


1,000 00 


2,130 


00 


101 


2,020 00 


1,003 


80 


100 


1,000 00 


1,043 


75 


101 


1,010 00 


1,051 


25 


95 


950 00 


1,043 


75 


100 


1,000 00 


2,060 


00 


100 


2,000 00 


1,068 


S<> 


100 


1,000 00 


1,040 


00 


102 


1,020 00 


2,070 


60 


102 


2,040 00 


3,117 


45 


103 


3,090 00 


1,052 


50 


100 


1,000 00 


3,115 


89 


100 


3,000 00 


2,015 


00 


99 


1,980 00 


2,100 


00 


100 


2,000 00 


1,135 


00 


99 


990 00 


2,137 


50 


100 


2,000 00 


1,055 


00 


100 


1,000 00 


1,065 


00 


100 


1,000 00 


$88,092 


91 


$86,768 00 



SALISBURY AND AMESBURY MUTUAL FIRE INSURANCE 

COMPANY, MARLBORO. 

Incorporated May 18, 1855. Commenced business June 15, 1855. 

WARREN C. JEWETT, President. ELMER D. HOWE, Secretary. 

[Note. — This company takes deposit notes from its members and requires a partial payment thereof 
when the policy is issued.] 

Income. 

Net premiums, $18,818 78 

Gross interest on bank deposits, . . . . . . 197 24 



Total income, 
Ledger assets, Dec. 31 1908, 



$19,016 02 
5,617 90 



Total, 



$24,633 92 



SALISBURY AND AMESBURY MUTUAL FIRE INSURANCE CO. 



79 



Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 
Commissions or brokerage, .... 
Salaries, fees, etc., of officers and employees, . 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Inspections and surveys, .... 

State taxes on premiums, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 



Total ledger assets, 



Non-Ledger Assets. 



Furniture, fixtures and safe, .... 
Stationery and supplies, .... 

Gross assets, ...... 

Assets not admitted. 
Stationery and supplies, .... 

Furniture, fixtures and safe, .... 
Agents' balances over three months due, 

Admitted assets, ..... 

Liabilities. 
Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, 
Due for return premiums, .... 



TotaJ liabilities, 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 



$4,837 81 

38 00 

8 20 

2,554 70 

1,143 77 

133 75 

139 76 

49 00 

170 76 

$9,075 75 

$15,558 17 



$11,915 66 
3,642 51 







$15,558 17 




191 00 


• 


10 00 


• 


$15,759 17 


$10 oc 




191 0C 




26 88 


227 88 


• 


$15,531 29 




$500 00 






20,639 15 






15 57 






110 05 


> 




543 38 






48 73 






97 20 



Risks and Premiums. 

Risks. 

. $3,023,765 00 
1,110,911 00 



$4,134,676 00 
1,103,714 00 

$3,030,962 00 



Cash Prem's. 

$31,510 17 
20,176 23 

$51,686 40 
11,339 03 



$21,954 08 



Conting't Prem's. 

$315,101 70 
20,176 23 

$335,277 93 
113,390 30 



$40,347 37 $221,887 63 



80 



SAUGUS MUTUAL FIRE INSURANCE CO. 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends paid policy holders from organization of company, 

Losses incurred during the year, ...... 

Dividends to policy holders during 1909, 20 per cent. 



$88,264 72 

52,653 94 

1,008 20 

4,837 81 



SAUGUS MUTUAL FIRE INSURANCE COMPANY, SAUGUS. 

Incorporated Feb. 24, 1852. Commenced business April 1, 1852. 

HORACE H. ATHERTON, President. WILBUR F. NEWHALL, Secretary. 

[Note. — This company insures nothing but dwellings, farm buildings and their contents, in Lynn, 
Saugus, Lynnfield, Swampscott and Nahant. No cash premiums are taken, but assessments are made 
on deposit notes to pay losses and expenses. All policies are issued for a term of three years.] 

Income. 

Gross interest on bank deposits, 
Assessments, .... 

Policy fees, ..... 
Assessments previously charged off, 

Total income, 
Ledger assets, Dec. 31, 1908, . 

Total, 

Disbursements. 

Net amount paid policy holders for losses, 
Salaries, fees, etc., of officers and employees, . 
Rents, ...... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Maps, including corrections, . 
State taxes on assessments, 
Assessments charged off, 

Total disbursements, 

Balance, 

Ledger Assets. 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Assessments in course of collection, 

Total ledger assets, .... 

Rent, . 



$135 54 

1,842 34 

429 00 

23 60 


$2,430 48 
5,496 01 


$7,926 49 

$965 54 

1,502 00 

112 50 

96 25 

149 14 

36 00 

19 60 

59 60 


$2,940 63 


$4,985 86 

?82 45 

4,825 01 

78 40 



Liabilities. 



Risks and Premiums. 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 



Risks. 

$2,412,155 00 
809,050 00 



$4,985 86 



$37 50 



Conting't Prem's. 

$310,540 00 
104,104 00 



$3,221,205 00 $414,644 00 
888,475 00 112,907 00 

$2,332,730 00 $301,737 00 



SOUTH DAN VERS MUTUAL FIRE INSURANCE CO. 



81 



Miscellaneous. 

Net losses paid from organization of company, 
Assessments laid on deposit notes or contingent premiums, 
Losses incurred during the year, ..... 



$73,941 95 

1,828 70 

965 54 



SOUTH DANVERS MUTUAL FIRE INSURANCE COMPANY, 

PEABODY. 

Incorporated June 12, 1829. Commenced business Aug. 1, 1829. 
G. HORACE MERRILL, President. FRANK TAYLOR, Secretary. 

Income. 

Net premiums, . . . $6,203 45 

Gross interest on stocks and bonds, $1,499.61; bank deposits, 

$13.94; all other, $5, 1,518 55 

Gross profit on sale of stocks and bonds, ..... 847 50 

Policy fees and permits, ....... 97 79 

Sale of rights, 280 58 

Borrowed money, . . . . . . . . 300 00 



Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements. 

Net amount paid policy holders for losses, 

Expenses of adjustment and settlement of losses, 

Dividends to policy holders, . 

Commissions or brokerage, 

Salaries, fees, etc., of officers and employees, 

Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Underwriters' boards and tariff associations, 
Inspections and surveys, 
State taxes on premiums, 
Borrowed money repaid, 
Interest on borrowed money, . 
All other disbursements, 

Total disbursements, 

Balance, ..... 

Ledger Assets. 
Book value of stocks and bonds (schedule A) , . 
Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on bonds, .... 
Market value of stocks and bonds over book value, 

Gross assets, ... 



$9,247 87 
31,044 97 



$40,292 84 


$1,775 


10 


12 


18 


2,843 


22 


469 


47 


1,113 


51 


174 96 


178 


85 


110 


48 


43 


34 


10 


00 


56 


89 


2,100 


00 


13 


50 


52 


43 


$8,953 93 


$31,338 91 


$29,408 07 


1,548 


53 


382 


31 


$31,338 91 


234 


16 


2,874 


93 


$34,448 00 



82 



SOUTH DANVERS MUTUAL FIRE INSURANCE CO. 



Liabilities. 
Unpaid losses, ....... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, .... 

Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 

Total, 

Surplus to policy holders, ..... 

Total liabilities and surplus, .... 



$1,315 00 


15,469 83 


311 31 


7 84 


60 79 


16 71 


$17,181 48 


17,266 52 


$34,448 00 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

. $1,343,170 00 
355,791 00 



Cash Prem's. Conting't Preni's. 

$27,700 39 $83,101 17 
6,736 92 20,210 76 



$1,698,961 00 

190,159 00 

$1,508,802 00 

37,000 00 

$1,471,802 00 



$34,437 31 $103,311 93 
3,766 16 11,298 48 



$30,671 15 
564 40 

$30,106 75 



$92,013 45 



Miscellaneous. 

Losses incurred during the year, ...... 

Dividends to policy holders during 1909, 20, 30, 40, 60 and 100 
per cent. 

Schedule A. Stocks and Bonds 

Railroad Stocks. 
15 shares New York, New Haven & Hartford, 
50 " Pennsylvania, .... 
Bank Stocks. 

1 share Cape Ann National, Gloucester, 
4 shares State National, Boston, 

20 " Warren National, Peabody, 

Miscellaneous Stocks. 
10 shares American Tel. & Tel. Co., . 
20 " Androscoggin Mills, Maine, 

2 " Nashua Manufacturing Co., N. H., 
20 " Naumkeag Steam Cotton Co., Salem, 

Municipal Bonds. 
Providence, R. I., 4s, 1921, 

Railroad Bonds. 
Boston & Maine 4s, 1942, 

New York Central & Hudson River 3£s, 1997, 
Pennsylvania convertible 3^s, 1915, .' 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1936, . 
Western Telephone & Telegraph Co. 5s, 1932, 



$3,090 10 



3 OWNED BY THE 


Company. 


Book Value. 

S3, 168 75 

2,949 36 


Rate. 

158 

137 


Market Value. 

$2,370 00 

3,425 00 


150 

560 

2,000 


00 
00 
00 


150 
182 
110 


150 00 

728 00 

2,200 00 


1,276 

2,000 

960 

2,045 


65 
00 
00 
00 


143 

208 
115 
144 


1,430 00 
4,160 00 
1,150 00 
2,880 00 


4,184 


44 


101 


4,040 00 


3,084 
2,094 

1,897 


50 
37 
50 


99 
91 
97 


2,970 00 
1,820 00 
1,940 00 


950 

2,087 


00 
50 


106 
98 


1,060 00 
1,960 00 


$29,408 


07 


$32,283 00 



TRADERS AND MECHANICS INSURANCE CO. 



83 



TRADERS' AND MECHANICS' INSURANCE COMPANY, LOWELL. 

Incorporated June, 1848. Commenced business June, 1848. 
CHARLES C. HUTCHINSON, President. EDWARD M. TUCKE, Secretary. 

Income. 

Net premiums, $183,965 06 

Gross interest on mortgages, $2,247.86; collaterals, $899.12 

stocks and bonds, S22.260.33; bank deposits, $111.60; all 

other. 844.73; gross rents. 82,400, 
Commissions on reinsurance, 
Dividends on reinsurance, 



Return premiums on reinsurance, 

Total income, 
Ledger assets, Dee. 31, 1908, . 

Total, .... 

Disbursements. 

Net amount paid policy holders for losses, 

Expenses of adjustment and settlement of losses, 

Dividends to policy holders, . 

Commissions or brokerage, 

Salaries and expenses of special agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, ....... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Gross loss on sale of bonds, 

Gross decrease in book value of stocks, 

Interest on borrowed money . 

Borrowed money repaid, 

All other disbursements, 

Total disbursements, 

Balance, ... 



Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Due from other companies, .... 

Total ledger assets, .... 



27,963 64 

312 64 

1,932 13 

261 44 

$214,434 91 
573,449 85 



$787,884 


76 


$82,416 42 

1,248 27 

85,096 02 

27,135 79 


6,428 

14,539 

1,720 


65 
96 
00 


1,017 
842 


33 
51 


575 


34 


659 


87 


212 


35 


688 


99 


276 


72 


2,422 


44 


431 


00 


3,675 
1,500 


00 
00 


813 


33 


30,000 00 
1,316 22 


$263,016 


21 


$524,868 


55 


$16,230 09 
50,173 60 
17,100 00 


427,000 


00 


1,944 


81 


1,374 

10,932 

113 


42 
38 
25 


8524,868 


55 



84 



traders' and mechanics' INSURANCE CO. 



Non-Ledger Assets. 
Interest due and accrued on : — 
Mortgages, $2,631.33; bonds, $1,483.35; collateral loans, $125.88, 
Market value of real estate over book value, .... 
Market value of stocks and bonds over book value, . 

Gross assets, ......... 

Assets not admitted. 
Agents' balances over three months due, .... 

Admitted assets, ........ 

Liabilities. 
Unpaid losses, ......... 

Unearned premiums on outstanding risks, .... 

Dividends due policy holders, ...... 

State, county and municipal taxes, due or accrued, . 

Total, 

Surplus to policy holders, ....... 

Total liabilities and surplus, ...... 

Risks and Premiums. 

Risks. 

In force Dec. 31, 1908, . . $52,718,409 00 



Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



12,530,385 00 

$65,248,794 00 
13,229,175 00 

$52,019,619 00 
646,729 00 



Cash Prein's. 

$774,515 60 
194,429 75 

$968,945 35 
208,633 58 

$760,311 77 
8,402 47 



$51,372,890 00 $751,909 30 



$4,240 56 

769 91 

86,253 00 

$616,132 02 



850 27 



$615,281 75 



$1,764 80 

370,357 37 

3,314 31 

782 54 

$376,219 02 
239,062 73 

$615,281 75 



Conting't Prem's. 

$774,515 60 
194,429 75 

$968,945 35 
208,633 58 

$760,311 77 



Miscellaneous. 

Net premiums received from organization of company, . . $5,279,610 29 

Net losses paid from organization of company, . . . 2,158,715 65 

Cash dividends paid policy holders from organization of company, 2,067,296 28 
Losses incurred during the year, ...... 85,387 25 

Dividends to policy holders during 1909, 20, 40, 50 and 60 per cent. 



Schedule A. Securities held as Collateral. 



Company's 
Market Value. 



4 shares Lowell Gas Co., 



2 
13 

10 
20 
30 
20 
12 
145 
10 
6 



Tremont and Suffolk Mills, 
Swift & Co., .... 
St. Mary's Mineral Land Co., 
Amalgamated Copper Co., 
Massachusetts Gas Co., 
U. S. Smelting & R. Co., preferred, 
New England Tel. & Tel. Co., . 
Massachusetts Electric Co., preferred, 
Merrimack Mfg. Co., common, . 
Merrimack Mfg. Co., preferred, . 



$1,100 


00 1 
00 f 


290 


1,404 


00 1 


500 


00 


1,800 


00 


2,460 


00 


1,100 


00 


1,662 


00 1 
00 f 


11,600 


550 


00 1 
00 / 


570 



Loaned 
Thereon. 

$1,000 00 



4,600 00 

10,500 00 
1,000 00 

$23,036 00 $17,100 00 



UNITED DRUGGISTS MUTUAL FIRE INSURANCE CO. 



85 



Schedule B. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
25 shares Vermont & Massachusetts, 
Bank Stocks. 
100 shares Old Lowell National, 

Miscellaneous Stocks. 
35 shares Bigelow Carpet Co., 
34 
2 
95 
462 ' 
80 ' 
68 ' 
200 ' 
200 ' 
110 ' 
66 ' 
15 
50 ' 



Boott Mills, 

Hamilton Mfg. Co., 

Lawrence Gas Co., 

Lowell Gas Co., 

Massachusetts Cotton Mills, Lowell, 

Massachusetts Cotton Mills, Ga., 

Massachusetts Electric Co., preferred, 

Massachusetts Gas Co., preferred, 

Merrimack Mfg. Co., common, . 

Merrimack Mfg. Co., preferred, . 

Middlesex Co., 

Tremont & Suffolk Mills, . 

State and Municipal Bonds. 
Chicago, 111., 4s, 1914, 
Fitchburg, Mass., 4s, 1925, 
Holyoke, Mass., 4s, 1927, 
Maiden, Mass., 4s, 1925, . 
Marblehead, Mass., 4s, 1921, 
Marlboro, Mass., 4s, 1924, 
Massachusetts 3s, 1941, 

Railroad Bonds 
Boston & Maine 4£s, 1944, 
Boston & Maine 4s, 1926, 
Fitchburg 4|s, 1914, 
Illinois Central (Omaha Div.) 3s, 1951, 
Long Island 5s, 1932-37, 
New England 5s, 1945, 
Ogdensburg & Lake Champlain 4s, 1948, 
Rutland Canadian 4s, 1949, 
Southern 4s, 1951, . 

United Tr. & El. Co., Prov., R. I., 5s, 1933, 
West End Street 4s, 1932, 



Book Value. 


Rate. 


Market Value. 


$2,500 00 


168 


$4,200 00 


10,000 00 


102 


10,200 00 


3,500 00 


141 


4,935 00 


3,400 00 


100 


3,400 00 


2,000 00 


81 


1,620 00 


9,500 00 


190 


18,050 00 


46,200 00 


286 


132,132 00 


8,000 00 


140 


11,200 00 


6,800 00 


102 


6,936 00 


20,000 00 


80 


16,000 00 


20,000 00 


93 


18,600 00 


11,000 00 


' 55 


6,050 00 


6,600 00 


95 


6,270 00 


1,500 00 


50 


750 00 


5,000 00 


145 


7,250 00 


5,000 00 


100 


5,000 00 


10,000 00 


103 


10,300 00 


15,000 00 


103 


15,450 00 


10,000 00 


103 


10,300 00 


10,000 00 


102 


10,200 00 


i 0,000 oo 


101 


10,100 00 


25,000 00 


87 


21,750 00 


20,000 00 


107 


21,400 00 


25,000 00 


99 


24,750 00 


15,000 00 


102 


15,300 00 


15,000 00 


82 


12,300 00 


11,000 00 


106 


11,660 00 


10,000 00 


118 


11,800 00 


20,000 00 


91 


18,200 00 


20,000 00 


91 


18,200 00 


15,000 00 


87 


13,050 00 


15,000 00 


106 


15,900 00 


20,000 00 


100 


20,000 00 


$427,000 00 


$513,253 00 



UNITED DRUGGISTS MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

Incorporated Oct. 31, 1908. Commenced business Nov. 5, 1908. 
LOUIS K. LIGGETT, President. ARCHIE W. CAMPBELL, Secretary. 

Guahanty Capital, $100,000. 



Home Office, 1^3 Leon Street, Roxbury. 

Income. 
Net premiums, .... 
Gross interest on bank deposits, 

Total income, 
Ledger assets, Dec. 31, 1908, . 

Total, 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 



$44,889 91 

2,407 73 

$47,297 64 

104,463 60 

$151,761 24 



$5,768 80 

135 12 

2,149 73 



86 



UNITED DRUGGISTS MUTUAL FIRE INSURANCE CO. 



Dividends on guaranty capital, 

Salaries, fees, etc., of officers and employees, 

Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ..... 

Furniture and fixtures, .... 

State tax on guaranty capital, 
Premiums of 1909 paid in 1908, 
All other disbursements, 

Total disbursements, 

Balance, ..... 



Ledger Assets. 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Premiums in course of collection, .... 

Total ledger assets,. ..... 

Non-Ledger Assets. 
Interest accrued on bank deposits, .... 

Gross assets, ....... 

Assets not admitted. 
Premiums in course of collection over three months due, 

Admitted assets, ...... 

Liabilities. 
Unpaid losses, ....... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 



$3,500 00 


4,662 22 


200 00 


944 37 


431 30 


328 00 


248 52 


1,741 07 


120 63 


417 22 


$20,646 98 


$131,114 26 


$7 13 


702 27 


125,643 75 


4,761 11 


$131,114 26 


2 79 


$131,117 05 



Total, 

Guaranty capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, . 

Total liabilities and surplus, 

Risks and Premiums. 

Risks. 

In force Dec. 31, 1908, . . $288,725 00 



$100,000 00 
6,682 94 



518 82 



Written during the } T ear, 

Total, . 
Expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



2,754,495 00 

$3,043,220 00 
350,061 00 

$2,693,159 00 
143,950 00 

$2,549,209 00 



Cash Prem's. 

$4,767 07 

47,267 48 

$52,034 55 

6,259 73 

$45,774 82 

2,499 13 

$43,275 69 



$130,598 23 



$1,053 00 

22,588 73 
273 56 

$23,915 29 



106,682 94 
$130,598 23 



Conting't Prem's. 

$4,767 07 
47,267 48 

$52,034 55 
6,259 73 

$45,774 82 



WEST NEWBURY MUTUAL FIRE INSURANCE CO. 



87 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends paid policy holders from organization of company, 

Losses incurred during the year, ...... 

Dividends to policy holders during 1909, 50 per cent. 



$49,656 98 
5,768 80 
2,149 73 
6,821 80 



WEST NEWBURY MUTUAL FIRE INSURANCE COMPANY, 

WEST NEWBURY. 

Incorporated March, 1828. Commenced business April, 1828. 

RICHARD NEWELL, President. DANIEL COONEY, Secretary. 

[Note. — This company relies upon assessments on deposit notes to pay losses and expenses.] 



Income. 

Assessments, 
Policy fees, . 
Borrowed money, . 

Total income, 
Ledger assets, Dec. 31, 1908, 

Total, . 

Disbursements. 

Net amount paid policy holders for losses, 

Expenses of adjustment and settlement of losses, 

Commissions or brokerage, 

Salaries, fees, etc., of officers and employees, 

Rents, .... 

Printing and stationery, 

Postage, telegrams, telephone and express, 

State taxes on premiums, 

Interest on borrowed money, 

Total disbursements, 

Balance, 

Ledger Assets. 
Deposits in trust companies and banks on interest, 

Non-Ledger Assets. 
Furniture and safe, ..... 
Unpaid assessments and policy fees, 



Gross assets, . 

Furniture and safe, 
Admitted assets, 



Assets not admitted. 



Liabilities. 



Unpaid losses, ..... 
Interest due or accrued on borrowed money, 
Borrowed money, ..... 

Total liabilities, .... 



$306 38 
119 00 
675 00 



$1,100 38 
132 50 

$1,232 88 



$473 94 

8 09 

14 31 

384 25 

17 00 

43 00 

22 75 

3 00 

75 00 

$1,041 34 

$191 54 



$191 54 

75 00 
15 00 

$281 54 

75 00 

$206 54 

$92 00 

45 00 

2,175 00 

$2,312 00 



88 



AVORCESTER MANUFACTURERS MUTUAL INSURANCE CO. 



Risks and Premiums. 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 



Risks. Conting't Prem's. 

$1,546,617 00 $113,849 87 
266,699 00 21,347 78 



$1,813,316 00 $135,197 65 
182,149 00 12,916 38 



$1,631,167 00 $122,281 27 



Miscellaneous. 
Net losses paid since 1879, ...... 

Losses incurred during the year, . 

Assessments laid on deposit notes or contingent premiums, 



$80,685 05 
545 94 
306 38 



WORCESTER MANUFACTURERS' MUTUAL INSURANCE COMPANY, 

WORCESTER. 

Incorporated March 31, 1855. Commenced business March 31, 1855. 
WALDO E. BUCK, President. CHARLES S. BACON, Secretary. 

Income. 

Net premiums, $759,358 57 

Gross interest on stocks and bonds, $26,138.66; bank deposits, 

$2,648.84, . 28,787 50 

Gross profit on sale of bonds, ....... 918 75 

Advance premiums, . . . . . . . . 331 76 



Total income, ........ 

Ledger assets, Dec. 31, 1908, ....... 

Total, 

Disbursements. 

Net amount paid policy holders for losses, . 

Expenses of adjustment and settlement of losses, including 

maps, inspections and surveys, 
Dividends to policy holders, . 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, .... 

Fire department, patrol and salvage corps fees and taxes, 

State taxes on premiums, 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Gross decrease in book value of bonds, 

All other disbursements, 

Total disbursements, 

Balance, ..... 

Ledger Assets. 

Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 



$789,396 58 
732,229 37 



$1,521,625 95 


$16,010 94 


12,273 84 


669,480 48 
12,593 20 : 
2,000 00 


684 59 


559 74 


18 00 


140 41 


7,640 60 
29 00 


32 50 


800 00 


291 04 


$722,554 34 


$799,071 61 


$691,565 00 
33 45 



WORCESTER MANUFACTURERS MUTUAL INSURANCE CO. 



89 



Deposits in trust companies and banks on interest, 
Premiums in course of collection, 

Total ledger assets, .... 

Non-Ledger Assets. 

Interest due and accrued on bonds, 

Market value of stocks and bonds over book value, 



Gross assets, 



Liabilities. 



Unpaid losses, ...... 

Unearned premiums on outstanding risks, 

State, county and municipal taxes, due or accrued, 

Advance premiums, ..... 

Total, 

Surplus to policy holders, .... 

Total liabilities and surplus, 



$99,452 71 
8,020 45 

$799,071 61 



7,802 10 
3,455 00 

$810,328 71 



$1,219 42 

377,186 88 

6,245 41 

331 76 

$384,983 47 
425,345 24 

$810,328 71 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 



Risks and Premiums. 

Risks. Cash Prem's. Conting't Prem's. 

. $92,284,630 00 $692,399 48 $3,461,997 40 

. 106,716,285 00 782,656 11 3,913,280 55 



$199,000,915 00 
96,782,145 00 



$1,475,055 59 $7,375,277 95 
720,681 84 3,603,409 20 



$102,218,770 00 $754,373 75 $3,771,868 75 



Miscellaneous. 
Net premiums received from organization of company, . $11,753,276 54 

Net losses paid from organization of company, . . . 1,630,013 25 

Cash dividends paid policy holders from organization of company, 9,210,874 28 
Losses incurred during the year, ...... 15,965 75 

Dividends to policy holders during 1909, 96 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
100 shares Connecticut River, . 
52 " Norwich & Worcester, preferred, 
100 " Southern Pacific, common, 
100 " Union Pacific, preferred, . 

Miscellaneous Stocks. 
200 shares Northwestern Telegraph Co., 

Railroad Bonds. 
Atch., Topeka & Santa Fe gen. 4s, 1995, 
Boston & Albany Terminal 3^s, 1951, 
Boston & Lowell 3-^s, 1923, 
Boston & Lowell 4s, 1932, 
Boston & Maine 4^s, 1944, 
Boston & Maine 4s, 1926, 
Buffalo & Susquehanna 4s, 1951, 
Central of New Jersey 5s, 1987, 
Chesapeake & Ohio 4^s, 1992, . 
Chicago, Burlington & Quincy 4s, 1958, 
Chicago, Burlington & Quincy 3|s, 1949, 



Book Value. 


Rate. 


Market Value. 


$25,000 


00 


272 


$27,200 00 


10,700 


00 


210 


10,920 00 


10,775 


00 


137 


13,700 00 


7,700 


00 


104 


10,400 00 


12,487 


50 


113 


11,300 00 


15,000 


00 


100 


15,000 00 


15,000 


00 


90 


13,500 00 


20,000 


00 


95 


19,000 00 


20,000 


00 


100 


20,000 00 


20,000 


00 


107 


21,400 00 


9,800 


00 


99 


9,900 00 


14,700 


00 


82 


12,300 00 


10,000 


00 


125 


12,500 00 


15,000 


00 


103 


15,450 00 


35,112 


50 


100 


35,000 00 


14,456 


25 


90 


13,500 00 



90 



WORCESTER MUTUAL FIRE INSURANCE CO. 



Chicago, Indiana & Southern 4s, 1956, 

Chicago & Cincinnati 5s, 1952, . 

Chicago June. & Union Stock Yds. 5s, 1915, 

Chicago, Rock Island & Pacific 4s, 2002, 

Chicago, Rock Is. & Pac. 1st refund. 4s, 1934, 

Cincinnati & Indiana Western 5s, 1952, 

Cincinnati, Richmond & Muncie 5s, 1950, . 

Concord & Montreal 4s, 1920, . 

Delaware & Hudson 4s, 1943, . 

Erie (Pennsylvania col.) 4s, 1951, 

Lake Shore & Michigan Southern 4s, 1928, 

Lake Shore & Michigan Southern 4s, 1931, 

Nor. Pac.-Gt. Nor. joint 4s, 1921, 

Ogdensburg & Lake Champlain 4s, 1948, 

Old Colony 4s, 1924, . . . 

Oregon R.R. & Navigation Co. 4s, 1946, 

Oregon Short Line 5s, 1946, 

Oregon Short Line 4s, 1929, 

Pennsylvania convertible 3-£s, 1915, . 

Providence & Worcester 4s, 1947, 

Richmond-Washington 4s, 1943, 

Rio Grande Western 4s, 1939, . 

Rutland equipment 4£s, 1912, . 

Southern Pacific convertible 4s, 1929, 

Toronto, Hamilton & Buffalo 4s, 1946, 

Union Pacific 4s, 1947, 

West End Street 4£s, 1914, 

West End Street 4s, 1915, 

Wisconsin Central 4s, 1949, 

Miscellaneous Bonds. 
American Agricultural Chemical Co. 5s, 1928, 
American Tel. & Tel. Co. 4s, 1929, 
Massachusetts Gas Cos. 4£s, 1929, 
New York Telephone Co. 1st 4£s, 1939, 



Book Value. 

$9,487 50 

5,000 00 

10,110 00 

8,912 50 

9,062 50 

5,000 00 

10,000 00 

45,000 00 

19,950 00 

9,400 00 

20,000 00 

8,750 00 

23,531 25 

10,000 00 

15,000 00 

10,000 00 

5,000 00 

19,475 00 

24,000 00 

50,000 00 

10,000 00 

10,000 00 

10,000 00 

9,888 75 

4,887 50 

5,000 00 

10,000 00 

10,000 00 

9,200 00 

9,950 00 
9,800 00 
9,703 75 
9,725 00 

$691,565 00 



Rate. 

95 

96 

101 

84 

91 

96 

96 

100 

100 

86 

96 

95 

97 

91 

100 

98 

113 

95 

97 

100 

100 

95 

99 

106 

90 

102 

102 

100 

94 

102 
93 
98 
98 



Market Value. 

$9,500 00 

4,800 00 

10,100 00 

8,400 00 

9,100 00 

4,800 00 

9,600 00 

45,000 00 

20,000 00 

8,600 00 

19,200 00 

9,500 00 

24,250 00 

9,100 00 

15,000 00 

9,800 00 

5,650 00 

19,000 00 

24,250 00 

50,000 00 

10,000 00 

9,500 00 

9,900 00 

10,600 00 

4,500 00 

5,100 00 

10,200 00 

10,000 00 

9,400 00 

10,200 00 
9,300 00 
9,800 00 
9,800 00 

$695,020 00 



WORCESTER MUTUAL FIRE INSURANCE COMPANY, WORCESTER. 

Incorporated Feb. 11, 1823. Commenced business May 1, 1824. 
LEWIS N. GILBERT, President. ROGER F. UPHAM, Secretary. 

Income. 

Net premiums, $134,482 31 

Gross interest on mortgages, $10,859.39; collaterals, $33.75; 
bonds, $16,462.78; bank deposits, $927.67; gross rents, in- 
cluding $1,800 for company's own occupancy, $11,199.96, . 39,483 55 
From all other sources, ........ 443 59 



Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 
Commissions or brokerage, 
Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ..... 



$174,409 45 
783,842 62 



$958,252 07 


$28,806 71 


636 62 


70,497 46 


19,080 17 


16,411 27 


1,800 00 


2,062 93 


1,238 80 


50 00 



WORCESTER MUTUAL FIRE INSURANCE CO. 



91 



Furniture and fixtures, . . . . ... 

Maps, including corrections, ..... 

Underwriters ' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 
Taxes on real estate, . . . . 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Gross loss on sale of real estate, .... 

Gross decrease in book value of bonds, 

All other disbursements, .... 

Total disbursements, . . . . 

Balance, ...... 

Ledger Assets. 

Book value of real estate, .... 

Mortgage loans on real estate, 

Loans secured by collateral (savings bank book), 

Book value of bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, 

Non-Ledger Assets. 

Interest accrued on : — 
Mortgages, $2,739.88; bonds, $6,051.65; collateral loans, 

bank deposits, $127.72, 

Rents due and accrued on company's property, 
Market value of real estate over book value, 

Gross assets, ....... 

Assets not admitted. 
Book value of bonds over market value, . 

Admitted assets, ...... 

Liabilities. 

Unpaid losses, ....... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, . . . ' . 

Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 
Due for return premiums, ..... 

Total, 

Surplus to policy holders, ..... 

Total liabilities and surplus, .... 



$25 49' 

342 77 

426 47 

337 31 

1,727 44 

1,355 11 

2,586 40 

1,361 37 

131 00 

725 00 

56 39 

360 12 



• 


$150,018 83 






$808,233 24 

$100,000 00- 

209,756 00 

450 00 

450,000 00' 

873 26 

39,116 08 

8,037 90 



$2.43; 



$808,233 24 



8,921 68, 
947 99 

12,600 oa 

$830,702 91 



15,490 00' 
$815,212 91 



$4,800 00 

281,051 64 

2,349 73. 

328 95 

778 51 

480 28 

$289,789 11 

525,423 80 

$815,212 91 



92 



WORCESTER MUTUAL FIRE INSURANCE CO. 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

. $40,854,414 00 
. 10,269,607 00 



Cash Prem's. 

$556,680 75 
140,067 06 



$51,124,021 00 
10,493,397 00 

$40,630,624 00 
23,750 00 



$696,747 81 
145,823 22 

$550,924 59 
294 62 



Conting't Prem's. 

$556,680 75 
140,067 06 

$696,747 81 
145,823 22 

$550,924 59 



$40,606,874 00 $550,629 97 



Miscellaneous. 

Losses incurred during the year, . . 

Dividends to policy holders during 1909, 20, 40, and 60 per cent. 

Schedule A. Bonds owned by the Company. 



State and Municipal Bonds. 
Massachusetts 3£s, 1934, . 
Massachusetts 3^s, 1945, . 
New York, N. Y., 4£s, 1957, 

Railroad Bonds. 
Bangor & Aroostook 4s, 1951, . 
Boston & Albany 4s, 1913, 
Boston & Albany 3£s, 1951, 
Boston Elevated 4s, 1935, 
Boston Elevated 4-^s, 1937, 
Boston & Lowell 3£s, 1921, 
Boston & Maine 4s, 1926-37, . 
Boston & Maine 4£s, 194 1. 
Central Pacific Through Short Line 4s, 1954, 
Chicago, Burl. & Quincy (111. Div.) 3£s, 1949, 
Chic. & Cincin. (in receiver's hands) 5s, 1952, 
Chicago, Milwaukee & St. Paul 4s, 1989, 
Chicago, Rock Island & Pacific 4s, 1934, 
Chicago, Rock Island & Pacific 4s, 1988, 
Chicago & Western Indiana 4s, 1952, 
Cincinnati, Hamilton & Dayton 5s, 1942, . 
Cincinnati, Ind., St. Louis & Chicago 4s, 1936, 
Concord & Montreal 4s, 1920, . 
Delaware & Hudson 4s, 1943, 

Fitchburg 4s, 1927, 

Illinois Central (Louisville Div.) 3^s, 1953, . 

Illinois Central (St. Louis Div.) 3^s, 1951, . 

Maine Central 4s, 1912, .... 

Maine Cent. (European & N. Am.) 4s, 1933, 

Michigan Central 4s, 1940, 

Mohawk & Malone 4s, 1991, 

New York Central & Hudson River 3£s, 1997, 

New York, New Haven & Hartford 4s, 1947-55, 

New York, New Haven & Hartford 3|s, 1947, 

Pere Marquette 4s, 1943, . . , 

St. Paul, Minnesota & Manitoba 4^s, 1933, 

Toledo, Walhonding Vallev & Ohio 4s, 1942, 

West End Street 4s, 1915, 

Worcester, Nashua & Rochester 4s, 1930-34, 



Book Value. 

$5,000 00 

15,000 00 

5,000 00 

5,000 00 

10,000 00 

5,000 00 

5,000 00 

10,000 00 

50,000 00 

20,000 00 

5,000 00 

5,000 00 

15,000 00 

10,000 00 

10,000 00 

32,000 00 

10,000 00 

10,000 00 

12,000 00 

20,000 00 

20,000 00 

5,000 00 

25,000 00 

13,000 00 

13,000 00 

3,000 00 

7,000 00 

5,000 00 

9,000 00 

6,000 00 

30,000 00 

10,000 00 

5,000 00 

5,000 00 

20,000 00 

6,000 00 

9,000 00 

8450,000 00 



Rate. 
97 
96 

111 

84 

100 

90 

100 

108 

95 

99 

107 

92 

90 

96 

101 

91 

99 

94 

107 

98 

100 

100 

99 

89 

89 

100 

100 

99 

100 

91 

97 

87 

85 

107 

96 

100 

100 



$32,877 56 



Market Value. 

$4,850 00 

14,400 00 

5,550 00 



4,200 

10,000 

4,500 

5,000 

10,800 

47,500 

19,800 

5,350 

4,600 

13,500 

9,600 

10,100 

29,120 

9,900 

9,400 

12,840 

19,600 

20.000 

5,000 

24,750 

11,570 

11,570 

3,000 

7,000 

4,950 

9,000 

5,460 

29,100 

8,700 

4,250 

5,350 

19,200 

6,000 

9,000 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



$434,510 00 






INDIA MUTUAL INSURANCE CO. 



93 



MASSACHUSETTS MUTUAL FIRE-MARINE INSURANCE 

COMPANY. 



INDIA MUTUAL INSURANCE COMPANY, BOSTON. 

Incorporated March 29, 1867. Commenced business May 2, 1867. 
H. B. ALDEN, President. GEO. H. CROWELL, Secretary. 

Guaranty Fund paid up in Notes. $175,000. 

Office, 50 Kilby Street. 

Income. 

Net fire premiums, .... 

Gross interest on mortgages, $13.50; stocks and bonds, $5,334.69; 

bank deposits, $70.20; all other, $319.17, 
Gross profit on sale of stocks and bonds, 
Sale of rights, ...... 

Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ..... 

Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, . 

Gross decrease in book value of bonds, 

Interest paid subscribers of guaranty fund, 

Interest paid scrip holders, 

Agents' balances charged off, . 

.111 other disbursements, 

Total disbursements, 

Balance, ..... 





$102,203 68 


.34.69; 




5,737 56 


110 


65 


• 


1,100 00 


$109,151 


89 


• 


327,608 


00 


$436,759 89 


$65,474 95 




1,222 


95 




23,215 


39 




8,967 


99 




2,275 


16 




510 57 




693 


93 




219 


60 




285 


33 




208 


60 




469 


96 




562 


50 




180 


00 




1,604 58 




137 


00 




1,100 


00 




3,500 


00 




3,775 


85 




11 


00 




665 


57 


$115,080 


93 


$321,678 96 



94 



INDIA MUTUAL INSURANCE CO. 



Ledger Assets. 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Subscription notes on time not exceeding 12 months not yet due, 

Total ledger assets, ....... 

Non-Ledger Assets. 

Interest due and accrued on : — 

Mortgages, $15.75; bonds, $204.17, 

Market value of stocks and bonds over book value, . 

Gross assets, ......... 

Assets not admitted. 
Agents' balances over three months due, .... 

Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $2,200 resisted, $18,572.82; less rein- 
surance, $12.50, ........ 

Unearned premiums on outstanding risks, .... 

Interest due scrip holders, ....... 

Salaries, expenses and accounts, due or accrued, 

State, county and municipal taxes, due or accrued, . 

Due for reinsurance, ........ 



Total, 

Surplus to policy holders, 
Guaranty fund, ..... 
Scrip outstanding not ordered to be redeemed, 
Impairment of scrip reserve, . 



$243,932 75 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$12,858,512 00 
9,016,333 00 



$21,874,845 00 
10,561,640 00 

$11,313,205 00 
543,218 00 



$450 00 

122,805 06 

998 20 

3,389 57 

19,036 13 

175,000 00 

$321,678 96 



219 92 
19,892 44 

$341,791 32 

3,261 11 
$338,530 21 



$18,560 32 

72,415 68 

1,064 51 

700 00 

1,017 92 

839 03 

$94,597 46 

175,000 00 

150,471 00 

81,538 25 



Premiums. 

$168,687 57 
127,100 25 

$295,787 82 
142,239 16 

$153,548 66 
5,479 01 



$10,769,987 00 $148,069 65 



Miscellaneous. 

Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 



$4,812,174 00 

3,299,431 00 

168,468 00 

65,971 49 






INDIA MUTUAL INSURANCE CO. 



95 



25 
150 

25 
150 
200 
125 



5 shares 



Schedule A. Stocks and Boxds 

Railroad 

Boston <k Albany. 
Boston <fc Maine, 
Fitchburg, preferred, 
Old Colony, 
Pennsylvania, . 
West End Street, preferred, 
Miscellaneous Stocks. 
shares American Tel. & Tel. Co 
50 " Pullman Co., . 

Railroad Bonds. 
X. Y.. X. H. £ Hartford conv. deb. 
X. Y.. X. H. A: Hartford conv. deb. 
Miscellaneous Bonds. 
American Telephone & Telegraph 4s, 1936, 



OWNED BY THE COMPANY. 





Book Value. 


Bate 


Market Value. 




-55.716 


00 


230 


55.750 00 


m 


22.503 


56 


149 


22.3-50 00 




2.353 


25 


132 


3.300 00 




IS. - : 


00 


198 


_ : 700 00 




12.916 


25 


137 


13.700 00 


ad, 


. CT2 


75 


215 


13.437 50 


t • 


10.225 


:o 


143 


10.010 00 




6.232 


DO 


190 


; i: : : : 


6s, 1948, 


5.325 


00 


134 


700 00 


3?s. 1956. 


24.375 


00 


102 


22.950 00 


, 1936, 


4,206 


25 


106 


5.300 00 




-5122,505 


06 


8142.-:;' 7 :: 



96 



BOSTON INSURANCE CO. 



MASSACHUSETTS JOINT-STOCK FIRE, MARINE AND 
FIRE-MARINE INSURANCE COMPANIES. 



BOSTON INSURANCE COMPANY, BOSTON. 

Incorporated Dec. 23, 1873. Commenced business Jan. 20, 1874. 

Paid-up Capital, $1,000,000. 

RANSOM B. FULLER, President. FREEMAN NICKERSON, Secretary. 

Office, 137 Milk Street. 

Income. 

Net fire premiums, $1,347,829.56; marine, $1,508,779.48, . . $2,856,609 04 
Gross interest on mortgages, $47,754.90; collaterals, $2,831.33; 
stocks and bonds, $164,064.69; bank deposits, $9,102.02; all 

other, $1,784.20; gross rents, $90, 225,627 14 

Gross profit on sale or maturity of ledger assets, . . . 8,974 33 

Profit from home office agency, ...... 1,461 55 

Agents' balances previously charged off, ..... 99 73 

Dividend, National Bank of Republic in liquidation, . . . 3,750 00 

Dividend, Continental National Bank in liquidation, . . . 600 00 

Contingent salvage, ........ 650 00 



Total income, 
Ledger assets, Dec. 31, 1908, . 

Total, 

Disbursements. 

Net amount paid policy holders for fire losses, $515,790.65 

marine, $778,879.33, 

Expenses of adjustment and settlement of losses, 
Dividends to stockholders, .... 

Commissions or brokerage, .... 

Agency expenses, ...... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, . 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 



$3,097,771 79 

5,410,793 36 



$8,508,565 15 



$1,294,669 98 
26,231 79 
300,000 00 
595,731 65 
13,596 55 
68,009 04 
158,661 53 
19,703 29 
17,331 54 
10,239 51 
787 57 
5,326 64 " 
2,803 98 
14,245 49 ' 
12,483 37 ' 
2,543 06 
404 48 
772 45- 
26,069 15' 
6,524 96 : 
2,069 46 



BOSTON INSURANCE CO. 



97 



Gross loss on sale or maturity of stocks and bonds, 
Gross decrease in book value of real estate, 
Agents' balances charged off, .... 
All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Book value of real estate, 
Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), 
Cash in office, ..... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Bills receivable, . . . . . . 

Deposits with fire boards, ..... 

Due from other companies, ..... 

Total ledger assets, ....... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $5,144.77; bonds, $19,156.34; collateral loans, 

$1,286.67, . . 

Market value of stocks and bonds over book value, . 

Due from other companies, ....... 



Gross assets, 



$1,195 82 

7,600 00 

3,983 04 

17,755 10 

$2,608,739 45 

$5,899,825 70 



$40,129 55 

720,100 00 

64,100 00 

4,147,430 57 

11,348 57 

768 01 

372,563 78 

479,098 55 

60,004 68 

700 00 

3,581 99 

55,899,825 70 



25,587 78 

378,237 23 

147 27 

$6,303,797 98 



Assets not admitted. 



Agents' balances over three months due, 
Bills receivable, past due, taken for premiums, 
Book value of real estate over market value, 
Collateral loan disallowed, 
Due from unauthorized companies, 
Deposits with fire boards, 



$17,154 03 
3,192 47 

129 55 
3,500 00 
2,160 12 

700 00 



Admitted assets, 



Liabilities. 



Unpaid losses, including $35,715.22 resisted, $399,191.98; less 

reinsurance, $52,508.66, ..... 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Contingent salvage, ...... 



Total, .... 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities and surplus, 



$1,000,000 00 
3,028,693 45 



26,836 17 
1,276,961 81 



$346,683 32 

1,814,233 29 

2,553 41 

60,187 50 

20,983 34 

3,627 50 

$2,248,268 36 



4,028,693 45 
$6,276,961 81 



98 



BOSTON INSURANCE CO. 



Risks 

Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Marine risks in force Dec. 31, 1908, 
Marine risks written during the year, 

Total, 

Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



and Premiums. 

Risks. Premiums. 

$240,803,714 00 $2,265,180 97 
221,323,509 00 2,230,066 15 



$462,127,223 00 $4,495,247 12 
164,003,393 00 1,624,055 39 



$298,123,830 00 $2,871,191 73 
55,297,849 00 533,438 90 



$242,825,981 00 $2,337,752 83 



$31,727,172 00 
156,651,070 00 



$951,635 95 

1,863,200 29 



$188,378,242 00 $2,814,836 24 
152,253,502 00 1,734,933 70 



$36,124,740 00 $1,079,902 54 
404,705 00 21,165 95 



$35,720,035 00 $1,058,736 59 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year. 

Marine and inland losses incurred during the year, . 

Dividends declared during the year (30 per cent.), . 

Par value of company's stock owned by directors, 



Schedule A. Securities held as Collateral 



$42,931,231 44 

27,743,581 46 

3,640,000 00 

544,269 97 

723,612 72 

300,000 00 

124,900 00 



70 shares Bangor & Aroostook R.R. Co., 
10 " Aroostook Construction Co. (stock tr. cert 
20 " Northern Telegraph Co., 
2,000 " Bangor Investment Co., 

•4 " Union Insurance Co., Bangor, 
850 " New River Co., preferred, 
Personal property, ..... 



), 



Company's 
Market Value. 

17,000 00 
62,000 00 
2,000 00 
2,000 00 
1,100 00 
68,000 00 
5,000 00 



Loaned 
Thereon. 

S20,000 00 



600 00 

40,000 00 

3,500 00 



$147,100 00 864,100 00 



Schedule B. Stocks and Bonds owned by the Company. 



500 
2,250 
100 
500 
340 
300 
400 
300 
75 
750 
250 



Railroad Stocks. 
shares Boston & Albany, . 

" Boston Elevated, . 

" Boston & Lowell, . 

" Boston & Maine, common, 

" Canadian Pacific, common, 
rights Canadian Pacific, . 
shares Chic, Mil. & St. Paul, common, 

" Chic, Mil. & St. Paul, preferred, 

" Conn. & Pass. River, preferred, 

" Delaware & Hudson, 

" Fitchburg, preferred, 



Book Value. 
8102,501 78 
282,834 28 
16,412 50 
79,972 78 
60,197 50 

45,024 29 

40,085 63 

10,338 25 

138,371 87 

20,808 38 



Rate. 
230 
135 
229 
149 
182 
10 
158 
172 
139 
185 
132 



Market Value. 

8115,000 00 

303,750 00 

22,900 00 

74,500 00 

61,880 00 

3,000 00 

63,200 00 

51,600 00 

10,425 00 

138,750 00 

33,000 00 



BOSTON INSURANCE CO. 



99 



100 

525 

4,500 

250 

100 



50 shares Manchester & Lawrence, 
1,361 " New York Central & Hudson R., 
1,356 rights New York Central & Hudson R., 
1,500 shares New York, New Haven & Hartford 

Northern Pacific, . 

Old Colony, . 

Pennsylvania, 

Southern Pacific, common, 

Union Pacific, common, 

Bank Stocks. 
100 shares Atlantic National, Boston, 
100 " Brookline National, 
300 " First National, Boston, . 

Equity in 100 shares First Nat., Salem (in liq.), 
17 shares Grand National, Marblehead, 
100 " Mercantile National, Salem, 
500 " Merchants National, Boston, 
100 " Merchants National, Salem, 
100 " Merchants National, Worcester, 
200 " Shawmut National, Boston, 
300 " State National, Boston, . 

Equity in 50 shares Tremont Nat., Boston (in liq.), 
154 shares Webster & Atlas National, Boston, . 
Miscellaneous Stocks. 

Atlantic Mutual Insurance Co., scrip, 1904, 

Atlantic Mutual Insurance Co., scrip, 1906, 
300 shares Amer. Sugar Ref. Co., preferred, 

2,000 " American Tel. & Tel. Co., 
800 " Edison Electric Illuminating Co., 
100 " General Electric Co., 

2,026 " Old Colonv Insurance Co., 
500 " Pullman Co., 

5 " Underwriters' Salvage Co., N. Y., 
State and Municipal Bonds. 

Boston, Mass., 4s, 1910, . 

Boston, Mass., 4s, 1920, . 

Boston, Mass., 4s, 1921, . 

Boston, Mass., 4s, 1921, . 

Fall River, Mass., 4s, 1916, 

Georgia 4^s, 1915, 

Georgia 3*s, 1918, . 

Georgia 3£s, 1920-28, 

Massachusetts tax exempt 3-Js, 1928, 

Massachusetts tax exempt 3-yS, 1946, 
Railroad Bonds. 

Albany & Susquehanna 3is, 1946, 

Atchison, Topeka & Santa Fe 4s, 1995, 

Atchison, Topeka & Santa Fe adjust. 4s, 1995, 

Boston Elevated Railway Co. 4s, 1935, 

Boston & Albanv 4s, 1913, 

Boston & Lowell 4s, 1932, 

Boston & Maine 4s, 1926, 

Chicago, Burlington & Quincv 4s, 1922, 

Fitchburg 4s, 1925-27, .... 

Fitchburg 4±s, 1928, .... 

Illinois Central (Louisville Div.) 3^s, 1953, 

Maine Central notes, 4s, 1914, . 

N. Y. Cent. & Hudson R. (Lake Sh.) 3£s, 1998, 

N. Y., N. H. & H. conv. deb. 6s, 1948, 

N. Y., N. H. & H. conv. deb. 3£s, 1956, . 

Old Colonv 4s, 1925, .... 

Old Colonv 3£s, 1932, .... 

Oregon Short Line 6s, 1922, 

Oregon Short Line convertible 5s, 1946, 

Southern Pacific convertible 4s, 1929, 

Southern 4s, 1951, . 

St. Louis & San Francisco 5s, 1927, 

West End Street 4s, 1915-32, . 

West Shore 4s, 2361, 

Wisconsin Central 4s, 1949, 



Book Value. 
$12,582 50 
165,295 93 



260,905 
13,812 
96,637 

284,889 
30,668 

17,587 



69 
50 
51 
74 
75 
50 



15,593 00 
10,000 00 
56,663 00 

6,793 13 

2,040 00 
12,285 37 
87,769 13 

6,822 75 
15,000 00 
30,000 00 
39,886 08 

2,556 50 
21,108 50 

190 00 

220 00 

38,414 01 

248,913 51 

184,061 65 

15,412 50 

311,738 30 

49,211 25 

500 00 

9,808 34 

50,565 00 

51,062 50 

102,750 00 

25,187 50 

5,700 00 

1,067 50 

4,335 00 

12,495 60 

13,832 00 

10,164 80 
39,676 07 
21,931 36 
50,000 00 
49,625 00 
25,500 00 
48,375 00 

4,000 
61,812 
53,312 
23,750 
49,687 
44,550 
41,703 
37,500 00 
16,462 50 
32,725 00 
10,000 00 
600 00 

7,654 87 

2,510 22 
22,437 50 
50,000 00 

5,175 00 
11,718 33 



00 
50 
50 
00 
50 
00 
80 



Rate. 
240 
127 
6 
158 
146 
198 
137 
137 
206 

150 
200 
371 
15 
115 
105 
252 
166 
170 
331 
182 

180 

106 
102 
124 
143 
252 
161 
150 
190 
125 

100 
102 
102 
102 
101 
105 
100 
99 
104 
107 

101 

100 

94 
100 
100 
100 

99 
100 

99 
106 

89 
100 

81 
134 
102 
100 

93 
117 
113 
106 

87 

89 
100 
102 

94 



Market Value. 

$12,000 00 

172,847 00 

8,136 00 

237,000 00 

14,600 00 

103,950 00 

308,250 00 

34,250 00 

20,600 00 

15,000 00 

20,000 00 

111,300 00 

1,500 00 

1,955 00 

10,500 00 

126,000 00 

8,300 00 

17,000 00 

66,200 00 

54,600 00 

27,720 00 

201 40 

235 40 

37,200 00 

286,000 00 

201,600 00 

16,100 00 

303,900 00 

95,000 00 

625 00 

10,000 00 

51,000 00 

51,000 00 

102,000 00 

25,250 00 

5,250 00 

1,000 00 

3,960 00 

12,480 00 

13,910 00 

10,100 00 

56,000 00 

28,200 00 

50,000 00 

50,000 00 

25,000 00 

49,500 00 

4,000 00 

59,400 00 

53,000 00 

22,250 00 

50,000 00 

40,500 00 

55,878 00 

38,250 00 

15,000 00 

32,550 00 

11,700 00 

565 00 

8,480 00 

1,740 00 

22,250 00 

50,000 00 

5,100 00 

11,280 00 



100 



MERCANTILE FIRE AND MARINE INSURANCE CO. 



Miscellaneous Bonds. 
Clyde Steamship Co. 5s, 1931, . 
Eastern Steamship Co. 5s, 1927, 
Mallory Steamship Co. 5s, 1932, 
Nantasket Beach Steamboat Co. notes, 6s, 1910, 



Book Value. 
$144,399 12 
50,000 00 
96,250 00 
25,000 00 

4,147,430 57 



Rate. 
96 
99 
90 

100 



Market Value. 

$144,000 00 
49,500 00 
90,000 00 
25,000 00 

$4,525,667 80 



MERCANTILE FIRE AND MARINE INSURANCE COMPANY, BOSTON. 

Incorporated Feb. 11, 1823. Commenced business May, 1823. 

Paid-up Capital, $200,000. 

EDWARD T. CAMPBELL, President. JAMES SIMPSON, Secretary. 

Office, tf Kilby Street. 

Income. 
Net fire premiums, ...... 

Gross interest on mortgages, $2,800.24; stocks and bonds, 

$10,136.70; bank deposits, $424.19; all other, $473.17, 
Gross profit on sale of bonds, .... 

Profits from general agency, ..... 

From all other sources, ...... 

Total income, ...... 

Ledger assets, Dec. 31, 1908, ..... 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, ..... 

Agency expenses, ....... 

Salaries and expenses of special and general agents, . 
Salaries, fees, etc., of officers and employees, . 
Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Gross loss on sale of bonds, ..... 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 



^Anns 


$278,395 39 


uuimo. 

13,834 30 
413 00 


• 


18,085 38 
48 11 


$310,776 18 
392,166 28 


$702,942 46 




$133,453 06 

2,093 42 

64,580 37 

264 35 




12,768 14 




23,563 99 
4,767 57 




4,552 19 




4,830 12 
301 14 




873 28 




1,244 92 
1,606 44 




899 62 




2,378 17 
3,786 19 
2,207 39 




310 16 




125 00 




1,443 38 


$266,048 90 


$436,893 56 




$67,800 00 

289,526 25 

1,635 41 



MERCANTILE FIRE AND MARINE INSURANCE CO. 



101 



Deposits in trust companies and banks on interest, . 

Agents' balances, ......... 

Total ledger assets, ....... 

Non-Ledger Assets. 
Interest accrued on : — 

Mortgages, $552.80; bonds, $3,283.28, 

Market value of stocks and bonds over book value, . 

Due from general agency, ....... 

Gross assets, ......... 

Assets not admitted. 
Agents' balances over three months due, .... 

Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $12,930.88 resisted, $51,659.28; less 

reinsurance, $24,799.20, . 

Unearned premiums on outstanding risks, .... 

Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 



Total, 

Cash capital, $200,000 00 

Surplus over all liabilities, .... 80,469 15 
Surplus to policy holders, .... 

Total liabilities and surplus, ...... 

Risks and Premiums. 

Risks. Premiums. 

Fire risks in force Dec. 31, 1908, . . . $56,220,487 00 $703,203 50 



$27,748 18 
50,183 72 

$436,893 56 



3,836 08 

10,973 75 

1,097 02 

$452,800 41 



478 98 
$452,321 43 

$26,860 08 

140,273 40 

969 54 

3,749 26 

$171,852 28 

280,469 15 
$452,321 43 



Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



35,711,901 00 505,875 49 



$91,932,388 00 $1,209,078 99 
35,975,554 00 510,430 17 



$55,956,834 00 $698,648 82 
37,464,320 00 429,811 36 



$18,492,514 00 $268,837 46 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Par value of company's stock owned by directors, 



$14,369,914 00 

9,344,710 00 

2,456,720 00 

100,000 00 

139,338 78 

22,500 00 



Schedule A. Stocks and Bonds owned by the Company. 

Bank Stocks. Book Value. Rate. Market Value. 

120 shares Union National, Boston, . . . $12,000 00 202 $24,240 00 
State and Municipal Bonds. 

Boston, Mass., 3£s, 1949, 15,693 75 103 15,450 00 

Brookline, Mass., 3£s, 1928, .... 10,169 00 100 10,000 00 



102 



OLD COLONY INSURANCE CO. 



Cambridge, Mass., 4s, 1912, 
Everett, Mass., 4s, 1917, . 
Massachusetts 3^s, 1949, . 
New Bedford, Mass., 4s, 1915, . 
New York, N. Y., 4£s, 1957, 
Worcester, Mass., 3^s, 1929, 

Railroad Bonds. 
Atch., Topeka & Santa F6 4s, 1995, 
Boston & Albany 4s, 1913, 
Boston Elevated 4£s, 1937, 
Boston & Lowell 4s, 1913, 
Boston & Maine 4s, 1926, 
Boston & New York Air Line 4s, 1955, 
Boston Terminal 3£s, 1947, 
Concord & Montreal 4s, 1920, . 
Chicago & North Western 3^s, 1987, 
Cleveland Terminal & Valley 4s, 1995 
Delaware & Hudson Co. 4s, 1943, 
Lake Shore & Michigan Southern 4s, 1928, 
N. Y. Central 4s, 1934, . 
N. Y. Central 3fs, 1997, . 
N. Y., N. H. & Hartford 3£s, 1947, 
Oregon Ry. & Nav. Co. 4s, 1946, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, 



Book Value. 


Rate. 


Market Value. 


S5,000 


00 


101 


$5,050 00 


5,163 


50 


101 


5,050 00 


26,968 


75 


107 


26,750 00 


5,025 


00 


101 


5,050 00 


5,300 


00 


111 


5,550 00 


10,225 


00 


100 


10,000 00 


9,337 


50 


100 


10,000 00 


10,000 


00 


100 


10,000 00 


15,192 


50 


108 


16,200 00 


5,000 


00 


100 


5,000 00 


9,650 


00 


99 


9,900 00 


5,075 


00 


100 


5,000 00 


41,700 


00 


104 


41,600 00 


10,050 


00 


100 


10,000 00 


7,450 


00 


90 


7,200 00 


4,775 


00 


95 


4,750 00 


10,200 


00 


100 


10,000 00 


4,900 


00 


96 


4,800 00 


7,052 


50 


96 


6,720 00 


12,975 


00 


91 


13,650 00 


17,323 


75 


87 


14,790 00 


9,800 


00 


98 


9,800 00 


13,500 


00 


93 


13,950 00 


$2S9,526 


25 


$300,500 00 



OLD COLONY INSURANCE COMPANY, BOSTON. 

Incorporated June 2, 1906. Commenced business June 7, 1906. 

Paid-up Capital, $400,000. 

RANSOM B. FULLER, President. CHARLES D. HODGES, Secretary. 

Office, 137 Milk Street. 

Income. 

Net fire premiums, $445,950.09; marine, $13,988.23, . . $459,938 32 
Gross interest on mortgages, $5,830.14; stocks and bonds, 

$25,973.63; bank deposits, $685.04; all other, $581.19, . 33,070 00 

Gross profit on sale of bonds, ...... 6,791 25 

Sale of rights, 700 00 



Total income, ....... 

Ledger assets, Dec. 31, 1908, ...... 

Total, 

Disbursements. 

Net amount paid policy holders for fire losses, $244,255.05 
marine, $1,578.80, ..... 

Expenses of adjustment and settlement of losses, 

Dividends to stockholders, 

Commissions or brokerage, 

Agency expenses, ..... 

Expenses of special and general agents, . 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ..... 



$500,499 57 
807,323 04 

$1,307,822 61 



$245,833 85 

5,559 33 

16,000 00 

113,287 02 

4,825 45 

14,294 15 

19,614 22 

500 02 

2,168 77 

575 20 

596 59 



OLD COLONY INSURANCE CO. 



103 



Maps, including corrections, . 

Underwriters' boards and tariff associations. 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross loss on sale of bonds, 

Gross decrease in book value of stocks, 

Agents' balances charged off, . 

All other disbursements, 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Book value of real estate, 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest. 
Agents' balances, ...... 

Deposit with fire boards, .... 



Total ledger assets, ....... 

Xox-Ledger Assets. 
Interest accrued on : — 
Mortgages, S532.50; bonds, S3, 075, ..... 

Market value of stocks and bonds over book value, . 

Gross assets, ......... 

Assets not admitted. 

Agents' balances over three months due. . So SI 43 

Book value of real estate over market value, . 741 14 

Deposit with fire boards, .... 200 00 

Admitted assets, ........ 



Liabilities. 

Unpaid losses, including S2.412.04 resisted. S72.059.54 

reinsurance, 819,598.98, ..... 
Unearned premiums on outstanding risks, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for reinsurance, ...... 



less 



S108 56 

1,991 66 

3.904 18 

3.311 37 

6.456 14 

2.397 81 

2.060 00 

302 60 

700 00 

49 67 

1.045 78 



Total, . 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 



8400,000 00 
92,980 19 



8445,582 37 
S862,240 24 



81,641 14 

94.500 00 

64S.898 76 

5.055 58 

35.124 39 

76,820 37 

200 00 

SS62.240 24 



3.607 50 
10.201 24 

8876,048 98 



1.522 57 



SS74.526 41 



S52.460 56 

316.894 76 

6,965 68 

3.197 81 

2.027 41 

8381,546 22 



492.980 19 



Total liabilities and surplus, 



SS74.526 41 



104 



OLD COLONY INSURANCE CO. 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, . 

Total, 

Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 

Marine risks written during the year, 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$55,698,393 00 
63,868,679 00 



$119,567,072 00 
51,120,945 00 

$68,446,127 00 
15,056,031 00 



Premiums. 

$662,050 46 

768,673 11 

$1,430,723 57 

626,124 29 

$804,599 28 

194,828 24 



$53,390,096 00 $609,771 04 



$1,198,444 00 
639,258 00 

$559,186 00 
301,505 00 



$23,886 32 
9,031 16 

$14,855 16 
8,808 00 



$257,681 00 $6,047 16 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, . 

Dividends declared during the year (4 per cent.), 

Par value of company's stock owned by directors, 



,317,711 18 

576,223 01 

40,000 00 

257,873 64 

4,184 50 

16,000 00 

40,200 00 



Schedule A. Stocks and Bonds 

Railroad Stocks. 
300 shares Boston Elevated, 
200 " Boston & Maine, 
100 " N. Y., N. H. & Hartford, 
100 " Old Colony, . 
500 " Pennsylvania, . 

Bank Stocks. 
100 shares Merchants National, Worcester, 

Miscellaneous Stocks. 
500 shares American Tel. & Tel. Co., 
110 " Edison Illuminating Co., . 
100 " New England Tel. & Tel. Co., . 
10 " New England Tel. & Tel. Co., . 
Municipal Bonds. 
Boston, Mass., 3^s, 1925, .... 
Boston, Mass., 3£s, 1929, .... 
Springfield, Mass., 3^s, 1934-35, 

Railroad Bonds. 
New York, New Haven & Hartford 4s, 1956, 



OWNED BY THE COMPANY 



Book Value. 
$38,173 75 
30,390 50 
15,875 00 
18,375 00 
29,956 25 

15,800 00 

64,487 56 

23,563 00 

13,450 00 

500 00 

99,250 00 

206,250 00 

42,077 70 

50,750 00 

$648,898 76 



Rate. 
135 
149 
158 
198 
137 

170 

143 

252 

138 

86 

97 
102 
100 

95 



Market Value. 
$40,500 00 
29,800 00 
15,800 00 
19,800 00 
34,250 00 

17,000 00 

71,500 00 

27,720 00 

13,800 00 

430 00 

97,000 00 

204,000 00 

40,000 00 

47,500 00 

$659,100 00 



SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



105 



SPRINGFIELD FIRE AND MARINE INSURANCE COMPANY, 

SPRINGFIELD. 

Incorporated 1849. Commenced business 1851. 

Paid-up Capital, $2,000,000. 

A. W. DAMON, President. W. J. MACKAY, Secretary. 

Office, 195 State Street. 

Income. 
Net fire premiums, ....... 

Gross interest on mortgages, $42,961.34; collaterals, $300 

stocks and bonds, $261,190.96; bank deposits, $15,658.69 

gross rents, for company's own occupancy, $15,000, 
Gross profit on sale of stocks, 
Increase in Munich Reinsurance Fund, . 
Dividend National Bank of Republic, in liquidation, 
Agents' balances previously charged off, . 
Sale of rights, ...... 

From all other sources, ..... 

Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 



. $5,307,622 


39 


335,110 99 

20,369 25 

17,551 57 

7,500 00 

81 33 


1,137 
2,000 


50 
00 


. $5,691,373 03 
. 8,027,485 13 



$13,718,858 16 



Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ..... 

Commissions or brokerage, ..... 

Agency expenses, ....... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, including $15,000 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross decrease in book value of stocks, 

Interest paid Munich Reinsurance Co., 

Agents' balances charged off, . 

All other disbursements, 

Total disbursements, 

Balance, .... 



$2,522,980 88 

28.696 02 
200,000 00 

1,018,566 84 

35,061 88 

255,122 29 

260,847 15 

34,711 76 

75.697 55 
23,420 09 

5,198 79 

7,461 34 

12,972 76 

58,558 94 

33,675 50 

28,172 47 

617 39 

3,700 00 

90,340 92 

21,346 21 

45,764 28 

3,137 50 

8,526 76 

5,689 21 

15,014 27 



$4,795,280 80 



!,923,577 36 






106 



SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



Ledger Assets. 
Book value of real estate, ..... 

Mortgage loans on real estate, .... 

Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, . ...... 

Non-Ledger Assets. 

Interest accrued on : — 
Mortgages, $15,316.30; bonds, $31,688.75; collateral loans, 

$150, . 

Market value of stocks and bonds over book value, . 

Gross assets, ......... 

Assets not admitted. 

Agents' balances over three months due, . $59 41 

Special deposits less $68,066.76 liability thereon, 104,933 24 



Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $40,233.65 resisted, $459,015.38; less 

reinsurance, $77,102.83, .... 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Due for reinsurance, ..... 
Munich Reinsurance Fund, .... 
Interest accrued on Munich Reinsurance Fund, 



Total, 

Cash capital, ..... 

Surplus over all liabilities, .... 
Surplus to policy holders, .... 

Total liabilities and surplus, 

Risks and Premiums. 



$2,000,000 00 
2,613,128 29 



$300,000 00 

757,720 00 

6,000 00 

6,171,002 77 

386 48 

172,338 56 

629,173 35 

886,956 20 

$8,923,577 36 



47,155 05 
790,787 23 

$9,761,519 64 



104,992 65 
$9,656,526 99 



$381,912 55 

4,369,974 40 

6,781 43 

50,305 90 

256 59 

229,748 39 

4,419 44 

$5,043,398 70 



4,613,128 29 
. $9,656,526 99 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, , . 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. Premiums. 

$739,786,917 00 $8,653,592 05 
586,802,716 00 7,126,903 39 



$1,326,589,633 00 $15,780,495 44 

528,137,194 00 6,439,227 59 

$798,452,439 00 $9,341,267 85 

79,839,343 00 926,898 19 



$718,613,096 00 $8,414,369 66 



SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



107 



Miscellaneous. 

Xet premiums received from organization of company. 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (10 per cent.), • 

Par value of company's stock owned by directors, 



SSI. 651. 795 94 

46.763.346 40 

5.754.542 00 

1.500.000 00 

2.591.465 S4 

200.000 00 

US, 700 00 



30 share; 
29 " 



Schedule A. 



Eastern Oil Co.. 
Boston tic Albanv R. 



Securities held as Collateral. 

Company's 
Market Value. 

. $2,850 00 

5.060 00 



R 



S7.910 00 



Loaned 
Thereon. 

82.000 00 
4.000 00 

86.000 00 



Schedule B. Stocks axd Bonds owned by the Company. 



500 

500 
1.000 

500 
1.000 
2.000 
1.000 

400 
Conn. 

bv 

Riv 
1.000 
1.050 
1.150 
1.500 

500 
1,500 
1.000 
6.000 
1.000 

500 
1,000 

150 
250 
300 
300 
200 
100 
500 

99 
200 
100 
150 
500 

25 
400 
300 
600 
122 
100 
500 
100 
460 
100 

.500 
500 



Railroad Stocks. Book Value. 

shares Atch., Top. & Santa Fe. common. . $49,486 25 

" Atch., Top & Santa Fe. preferred, . 49.330 S3 

" Baltimore & Ohio, common, . . 104.375 00 

" Canadian Pacific, .... 92,787 50 

" Chicago. Mil. oc St. Paul, common. . 115,378 31 

" Chicago, Mil. & St. Paul, pref., . 247.171 B8 

" Chicago At Northwestern, common. . 137.5 1 5 00 

Connecticut River, . . . 9S.800 00 
Trust At Safe Dep. Co. certificates secured 

deposit of 500 shares Conn, & Passumpsic 

ers R.R. guaranteed stock, . . . 50.000 00 

shares Great Northern, preferred. . . 122.050 00 

" Holvoke Street, Holvoke Mas-.. . 157,078 75 

" Illinois Central, . . . 133.806 2S 

" Manhattan 232.262 50 

" N. Y.. N. H. £ Hartford, . . 100.000 00 

" N. Y., N. H. & Hartford (25 ^pd.), 46,875 00 

" Northern Pacific, .... 135.955 50 

" Pennsylvania. .... 356.879 14 

" Southern Pacific Co., common, . 99.712 35 

" Southern Ry., preferred, . . 47.200 00 

" Union Pacific, common, . . 114,254 40 

Bank Stocks. 

shares Boylston National, Boston, . . 21.23S 00 

" Chapin National, Springfield, . . 31.302 50 

" Chicopee National. Springfield, . 41.694 00 

" Citv National. Holvoke, . . 33.328 75 

" City Trust Co., Boston, . . . 80.000 00 

" Eliot National, Boston, . . . 10.496 75 

" First National! Boston, . . . 157.900 00 

" First National, Northampton, . 14.041 50 

" Fourth National. New York, . . 23. 880 75 

Holvoke National, Holvoke, . . 15.S00 00 

" Merchants' National. Boston, . . 20.083 00 

" Merchants' National. Worcester. . SI. 275 00 

Monson National, .... 4.406 00 

" Nat. Bank of Commerce. Boston, . 60.262 13 

Nat. Bank of Commerce. N. Y.. . 48.380 13 

" National Shawmut. Boston, . . 147.877 00 

" Northampton National, . . . 22.912 00 

" Old Boston National. Boston. . . 12.216 25 

" Second National, Boston, . . 107.945 00 

Springfield National. . . . 19.000 00 

" Third National, Springfield. . . ^0,642 50 

" Webster & Atlas National, Boston, . 13^.056 00 

Miscella neous Stocks. 

shares American Express Co.. . . . 101.487 50 

" American Tel. A- Tel. Co., . . 63.750 00 



Rate. 
123 
105 
118 

ls2 
15S 
172 
185 
o-o 



100 
144 
170 
148 
141 
158 
14S 
146 
137 
137 
75 
206 

104 
103 
16S 
108 
393 
218 
371 
130 
208 
170 
252 
170 
120 
174 
205 
331 
200 
130 
241 
200 
200 
ISO 

300 
143 



Market Value. 



861.500 
52.500 
118.000 
91.000 
15S.000 
344.000 
185.000 



00 
00 
00 
00 
00 
00 
00 



10S,S00 00 



50.000 00 
144.000 00 
178.500 00 
170.200 00 
211.500 00 

79.000 00 

81.375 00 
146.000 00 
411.000 00 
137.000 00 

37.500 00 
206.000 00 



15.600 
25.750 
50.400 
32.400 
78.600 
21.800 

185.500 
12.S70 
41.600 
17.000 
37.S00 
8 5.000 
3.000 
69.600 
61.500 

198, 600 
24.400 
13.000 

120.500 
20.000 
92.000 
1^.000 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



150.000 00 
71,500 00 



108 



SPRINGFIELD FIRE AND MARINE INSURANCE CO, 



435 shares Fitch. Gas & El. Lt. Co., Fitchburg, . 

100 " Holvoke Water Power Co., Holvoke, 

180 " Maiden Electric Co., Maiden, . 

600 " Maiden & Melrose G. Lt. Co., Maiden, 
1,000 " Mass. Gas Cos., pref., Boston, 
1,050 " N.E. In. & Sec. Co., pref., Springfield, 

750 ". Pullman Co., . . . . 

300 " Salem El. Lighting Co., Salem, 

250 " Springfield Gas Lt. Co., Springfield, . 
10 " Underwriters' Sal. Co., Chicago, 111., 
10 " Underwriters' Sal. Co., New York, . 

161 " United Elec. Lt. Co., Springfield, . 
State, County and Municipal Bonds. 
Georgia 4£s, 1915, . 
Montreal, Can., 4s, 1938-48, 
New York, N. Y., 4*s, 1957, 
Nova Scotia, Can., 4£s, 1915, 
Port of Portland, Ore., 4s, 1933, 
Richmond, Va., 4s, 1938, . 
Valencia County, New Mexico, 5s, 1932, 
Westmount, Quebec, Can., 4-Vs, 1947, 
Winnipeg, Manitoba, 4s, 1925-34, 

Railroad Bonds. 
Holvoke Street Ry. 5s, 1920, . 
Holvoke Street Ry. 5s, 1923, 
N. Y., N. H. & Hartford conv. 3*s, 1956, 
N. Y., N. H. & Hartford conv. 6s, 1948, 
Peoria Ry., Peoria, 111., 5s, 1925, 
Southern Pacific conv. 4s, 1929, 

Miscellaneous Bon ds . 
American Writing Paper Co., Holvoke, 5s, 1919, 
California Gas & El. Corp., San Fran., os, 1937, 
Central Union Telephone Co., 111., 5s, 1919, 
Pacific Tel. & Tel., San Francisco, 5s, 1937, 
Torrington Co., Torrington, Conn., 5s, 1918, 
West. United Gas & Elec. Co., 111., 5s, 1940-44, 



Book Value. 

$52,655 00 

30,555 00 

37,875 00 

98,436 00 

86,000 00 

101,412 50 

66,160 35 

84,742 23 

60,571 43 

1,000 00 

1,000 00 

43,567 00 

$11,425 00 

48,421 25 

102,875 00 

25,375 00 

50,000 00 

53,375 00 

10,550 00 

35,262 50 

58,174 25 

8.000 00 

23,506 00 

685,433 87 

150,000 00 

96,000 00 

48,345 37 

81,331 57 

95,500 00 

49,750 00 

95,750 00 

25,000 00 

49,000 00 

$6,171,002 77 



Rate. 

260 

375 

220 

140 

93 

91 

190 

275 

255 

75 

125 

250 

105 
98 
111 
102 
100 
101 
103 
110 
100 

104 
105 
102 
134 
98 
106 

88 
95 
98 
100 
100 
96 



Market Value. 

$56,550 00 

37,500 00 

39,600 00 

■s 1.000 00 

93,000 00 

95,550 00 

142,500 00 

82,500 00 

63,750 00 

750 00 

1,250 00 

40,250 00 

$10,500 00 
49,000 00 

111,000 00 
25,500 00 
50,000 00 
50,500 00 
10,300 00 
38,500 00 
60,000 00 

8,320 00 

24,675 00 

612,000 00 

201,000 00 

98,000 00 

53,000 00 

88,000 00 
95,000 00 
•19.000 00 
100,000 00 
25,000 00 
In. 000 00 

$6,961,790 00 



ADIRONDACK FIRE INSURANCE CO. 



109 



FIRE, MARINE AND FIRE-MARINE INSURANCE COMPANIES 

OF OTHER STATES. 



ADIRONDACK FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

Incorporated April 13, 1906. Commenced business May 1, 1906. 

Paid-up Capital, $200,000. 
G. A. MITCHELL, President. R. H. McKELVEY, Secretary. 

Home Office, 84 William Street. 

Income. 

Net fire premiums, $274,128 55 

Gross interest on bonds, $12,803.75; bank deposits, $2,771.63, . 15,575 38 

Gross increase in book value of bonds, ..... 503 56 

Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, . 

Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Legal expenses, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

State taxes on premiums, 

Insurance department licenses and fees, . 

Gross loss on maturity of bonds, 

Gross decrease in book value of bonds, 

Agents' balances charged off, . 

All other disbursements, 

Total disbursements, 

Balance, ..... 

Ledger Assets. 

Book value of bonds (schedule A), . 

Deposits in trust companies and banks on interest, 

Agents' balances, ...... 



Total ledger assets, 

Interest accrued on bonds, 
Gross assets, . 



Non-Ledger Assets. 





$290,207 49 


• 


435,280 67 


$725,488 16 


. $167,017 03 




1,271 89 




79,155 37 




7,040 00 




575 16 




3,364 19 




752 69 




180 50 




2,880 47 




2,345 84 




162 50 




1,137 23 




887 25 




873 62 


$267,643 74 


$457,844 42 


. $316,953 83 


87,206 65 


. 


53,683 94 


. $457,844 42 


• 


3,125 00 



$460,969 42 



110 



ADIRONDACK FIRE INSURANCE CO. 



Assets not admitted. 
Book value of bonds over market value, . 

Admitted assets, ...... 

Liabilities. 

Unpaid losses, $19,056.18; less reinsurance, $5,676.50, 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 



Total, .... 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities and surplus, 



$200,000 00 
69,580 16 



$14,153 83 
$446,815 59 



$13,379 68 

149,971 79 

253 03 

9,830 93 

3,800 00 

$177,235 43 



269,580 16 
$446,815 59 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Risks and Premiums. 

Risks. Premiums. 

$17,759,938 00 $297,528 49 

25,052,686 00 420,264 86 



$42,812,624 00 
21,907,490 00 

$20,905,134 00 
3,247,211 00 



$717,793 35 
378,068 72 

$339,724 63 
47,805 61 



Net amount in force, 



$17,657,923 00 $291,919 02 



Miscellaneous. 



Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Par value of company's stock owned by directors, 




$885,654 75 

450,498 91 

20,000 00 

160,826 29 

134,700 00 


Schedule A. Bonds owned 


BY the Com 


PANY. 




Municipal Bonds. 
New York, N. Y., 4s, 1955-56, .... 
Savannah, Ga., 4|s, 1959, .... 


Book Value. 
$235,114 80 

10,820 75 


Rate. 
100 
108 


Market Value. 

$225,000 00 

10,800 00 


Railroad Bonds. 
International Traction Co. 4s, 1949, . 


20,465 08 


68 


17,000 00 


Miscellaneous Bonds. 
Lackawanna Steel Co. 5s, 1923, 
Niagara Falls Power Co. 5s, 1932, 


25,764 72 
24,788 48 


100 
100 


25,000 00 
25,000 00 




$316,953 83 


8302,800 00 



^ETNA INSURANCE CO. 



Ill 



^ETNA INSURANCE COMPANY, HARTFORD, CONN. 

Incorporated June, 1819. Commenced business Aug. 17, 1819. 

Paid-up Capital, $4,000,000. 

WM. B. CLARK, President. HENRY E. REES, Secretary. 

Home Office, 670 Main Street. 



Income. 

Net fire premiums, $6,788,579.94; marine, $545,674.38, . 
Deposit premiums on perpetual risks, ..... 
Gross interest on stocks and bonds, $661,684.16; bank deposits, 
$21,414.38 ; gross rents, for company's own occupancy, $20,000, 
Gross profit on sale or maturity of bonds, .... 
Increase in Munich Reinsurance fund, ..... 
From all other sources, ........ 



Total income, 
Ledger assets, Dec. 31, 1908, 

Total, . 



$7,334,254 32 
7,253 00 

703,098 54 

786 93 

6,286 92 

56 00 

$8,051,735 71 
15,219,735 48 



.$23,271,471 19 



Disbursements. 



Net amount paid policy holders for fire losses, $3,379,343.16 

marine, $274,053.63, . . . . 

Expenses of adjustment and settlement of losses, 
Deposit premiums returned, .... 
Dividends to stockholders, .... 
Commissions or brokerage, . . . 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, including $20,000 for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, . ... 

Furniture and fixtures, ..... 
Maps, including corrections, .... 
Underwriters' boards and tariff associations, 
Fire department, patrol and salvage corps fees, 
Inspections and surveys, .... 

Repairs and expenses on real estate, 
Taxes on real estate, ..... 
State taxes on premiums, .... 
Insurance department licenses and fees, . 
Other licenses, fees and taxes, 
Gross loss on sale or maturity of bonds, . 
Agents' balances charged off, <. 

Miscellaneous expenses, .... 

Interest on Munich Reinsurance fund, 

Total disbursements, .... 

Balance, ...... 



$3,653,396 79 

46,467 63 

3,013 98 

640,000 00 

1,345,101 85 

293,393 81 

347,817 85 

43,672 50 

85,719 51 

59,277 64 

13,806 16 

3,625 21 

13,975 19 

92,348 94 

14,271 24 

33,017 35 

3,148 21 

9,200 00 

114,648 02 

24,884 24 

161,270 24 

8,718 28 

1,810 58 

42,241 30 

21,665 39 

. $7,076,491 91 

$16,194,979 28 



112 



iETNA INSURANCE CO. 



Ledger Assets. 
Book value of real estate, ..... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, ..... 

Non-Ledger Assets. 
Interest accrued on : — 
Bonds, $67,452.02; other assets, $1,750, . 
Market value of stocks and bonds over book value, . 

Gross assets,* ....... 

Assets not admitted. 

Agents' balances over three months due, . $8,815 79 

Book value of real estate over market value, . 188,207 93 

Accrued interest in default, . . . 4,208 33 

Special deposits less $183, 929.78 liability thereon, 7,403 22 

Admitted assets, ....... 

Liabilities. 

Unpaid losses, including $27,695.50 resisted, $795,322.56; less 

reinsurance, $164,494.98, .... 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Munich Reinsurance fund, 



$588,207 93 

12,779,648 64 

2,579 49 

35,540 27 

1,470,762 61 

1,318,240 34 

$16,194,979 28 



69,202 02 
. 2,028,564 51 

$18,292,745 81 



Total, . 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 



$4,000,000 00 
6,054,498 91 



208,635 27 
$18,084,110 54 



$630,827 58 

6,620,977 83 

98,998 87 

1,000 00 

130,000 00 

547,807 35 

£8,029,611 63 



Total liabilities and surplus, 

Risks and Premiums. 



Fire risks in force Dec. 31, 1908, , 
Fire risks written during the year, 

Total, 

Expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 



Net amount in force, 
Perpetual risks in force (not included above), 



Risks. 

$1,104,018,245 00 

. 763,880,683 00 

$1,867,898,928 00 

. 685,691,277 00 

$1,182,207,651 00 

. 143,210,064 00 

$1,038,997,587 00 

. $4,436,478 00 



10,054,498 91 
$18,084,110 54 



Premiums. 

$13,521,711 11 

9,451,212 61 

$22,972,923 72 

8,774,854 78 



$14,198,068 94 
1,818,038 35 



$12,380,030 59 
$104,209 34 



* The company holds also instalment premium notes to the amount of $17,549.12, which do not enter 
into or form any part of the assets of the company, as no portion of them is earned. Whatever value 
is attached to them would necessarily be counterbalanced by the addition of an amount exactly equal 
to the reinsurance liability, the entire sum consisting of "unearned premiums." 



JETNA INSURANCE CO. 



113 



Marine risks in force Dec. 31, 1908, 
Marine risks written during the year, 

Total, 

Expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$18,073,898 00 
78,097,622 00 



Premiums. 

$436,920 74 
905,890 47 



$96,171,520 00 $1,342,811 21 
78,991,071 00 865,232 82 



$17,180,449 00 
2,524,227 00 



$477,578 39 
96,359 61 



$14,656,222 00 $381,218 78 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Stock dividends declared from organization of company, 
Fire losses incurred during the year, 
Marine and inland losses incurred during the year, . 
Dividends declared during the year (16 per cent.), 
Par value of company's stock owned by directors, 



$229,982,734 52 

119,451,567 10 

32,121,365 00 

2,805,000 00 

3,414,043 41 

312,875 02 

640,000 00 

196,900 00 



Schedule A. Stocks and Bonds owned by the Company. 



500 

300 

233 

182 

1,425 

587 

350 

343 

750 

1,000 

500 

300 

300 

300 

500 

500 

345 

181 

100 

450 

1,000 

•1,437 

500 

250 

2,888 

1,203 

875 

3,919 

300 

1,000 

1,000 

500 

140 

500 

300 

400 

200 
400 
200 
400 
300 
300 



Railroad Stocks. 
shares Albany & Susquehanna, . 
Allegheny & Western, 
Baltimore & Ohio, preferred, . 
Baltimore & Ohio, 
Chicago, Mil. & St. Paul, preferred, 
Chicago, Mil. & St. Paul, 
Chicago & Northwestern, preferred, 
Chicago & Northwestern, 
Cleve., Cin., Ch. & St. L., pref., 
Cleveland & Pittsburgh, 
Connecticut & Passumpsic Rivers, 
Connecticut River, 
Dayton & Michigan, preferred, 
Delaware & Bound Brook, 
Fort Wayne & Jackson, preferred, 
Georgia R.R. & Banking, 
Illinois Central, 
Illinois Southern, . 
Joliet & Chicago, . 
Kal., Allegan & Grand Rapids, 
Morris & Essex, 

New York Central & Hudson R., 
New York & Harlem, 
New York, Lacka. & Western, 
N. Y., N. H. & Hartford, 
N. Y., N. H. & Hartford (25% pd.) 
Oswego & Syracuse, 
Pennsylvania, 
Peoria & Bureau Valley, 
Pitts., Fort Wayne & Chicago, 
Rensselaer & Saratoga, . 
Rome, Watertown & Ogdensburg, 
St. Joseph, So. Bend & So., pref., 
St. Joseph, So. Bend & Southern, 
Utica, Chenango & Sus. Valley, 
Valley (New York), 

Bank Stocks. 
shares ^Etna National, Hartford, Conn., 
" Am. Exch. Nat., New York, N. Y., . 
" American Nat., Hartford, Conn., 
" Bank of the Manhattan, N. Y., N. Y. 
" Bk. of N.Y. N'l B'k'g As., N.Y., N.Y.i 
" Central Trust Co., New York, N. Y., 



Book Value. 

$46,662 50 

45,875 00 

17.635 27 
18,187 94 

193,500 00 
58,674 96 
57,412 50 
34,193 71 
73,881 25 
46,032 75 
50,312 50 
28,016 66 

23.636 00 
54,000 00 
50,175 00 

120,710 00 
42,956 25 
22,500 00 
9,462 75 
55,750 00 
43,968 75 

152,561 35 
36,681 25 
33,333 33 

293,034 26 
37,593 75 
92.545 50 

225,361 95 
55,755 93 

112,201 75 

173,575 00 
64,483 33 
13,940 00 
50,000 00 
47,390 00 
44,550 00 

21,408 50 
43,983 00 
10,500 00 
26,708 00 
36,766 55 
31,000 00 



Rate. 
300 
146 
92 
118 
172 
158 
227 
185 
107 
176 
100 
272 
190 
198 
139 
253 
148 

174 
145 
185 
127 
315 
127 
158 
148 
225 
137 
189 
176 
199 
126 
100 
40 
153 
128 

225 
250 
140 
350 
327 
1,040 



Market Value. 

$150,000 00 

43,800 00 

21.436 00 
21,476 00 

245,100 00 
92,746 00 
79,450 00 
63,455 00 
80,250 00 
88,000 00 
50,000 00 
81,600 00 
28,500 00 
59,400 00 
69,500 00 

126,500 00 
51,060 00 

17,400 00 
65,250 00 
92,500 00 

182,499 00 
78,750 00 
31,750 00 

456,304 00 
65,262 75 

98.437 50 
268,451 50 

56,700 00 
176,000 00 
199,000 00 
63,000 00 
14,000 00 
20,000 00 
45,900 00 
51,200 00 

45,000 00 
100,000 00 
14,000 00 
70,000 00 
98,100 00 
312,000 00 



114 



^TNA INSURANCE CO. 



400 shares Charter Oak Nat., Hartford, Conn., 

200 " City Bank, Hartford, Conn., . 

150 " Conn. R. Bkg. Co., Hartford, Conn., 

350 " Farmers' & M. Nat., Hartford, Conn 

250 " Farmers' & M. N'l, Philadelphia, Pa 

300 " First National, Hartford, Conn., 

75 " First National, New York, N. Y., 

300 " Hanover National, New York, N. Y. 

1,000 " Hartford National, 

200 " Holland Trust Co., New York, N. Y. 

300 " Imp. & Tr. Nat., New York, N. Y., 

112 " Market & Fulton Nat., N. Y., N. Y 

345 " Mechanics Nat., New York, N. Y., 

120 " Mer. Ex. Nat., New York, N. Y., 

700 " Merchants Nat., New York, N. Y., 

100 " Met. Trust Co., New York, N. Y., 

625 " Nat. Bk. of Com., New York, N. Y. 

500 " National City, New York, N. Y., 

550 " Nat. Exch., Hartford, Conn., . 

100 " New Britain National, 

150 " N. Y. Life Ins. & Tr. Co., N. Y., N. Y 

200 " People's Bank, New York, N. Y., 

1,000 " Phoenix National, Hartford, Conn., 

550 " State, Hartford, Conn., . 

100 " Third N'l, N.Y.,N.Y. (in liquidation) 

100 " Union Trust Co., New York, N. Y., 

100 " United States Tr. Co., N. Y., . 

Miscellaneous Stocks. 

400 shares American Tel. & Cable Co., 

50 " Connecticut River Co., . 

9 " General Adjustment Bureau, . 

300 " Gold & Stock Telegraph Co., . 

100 " International Bkg. Corp., N. Y., 

300 " International Ocean Tel. Co., . 

1,000 " Northwest Telegraph Co., 

10 " Underwriters' Sal. Co., Chicago, 

10 " Underwriters' Sal. Co., New York, 

Government Bonds. 
United States 4s, 1925, . 

State, County and Municipal Bonds. 
Albina, Ore., 6s, 1921, 
Americus, Ga., 6s, 1919, . 
Americus, Ga., 6s, 1920, . 
Arizona 5s, 1942, 
Bainbridge, Ga., 6s, 1911, 
Bainbridge, Ga., 6s, 1912, 
Bainbridge, Ga., 6s, 1913, 
Bainbridge, Ga., 6s, 1914, 
Bainbridge, Ga., 6s, 1915, 
Bainbridge, Ga., 6s, 1916, 
Bainbridge, Ga., 6s, 1917, 
Bainbridge, Ga., 6s, 1918-19, 
Bainbridge, Ga., 6s, 1920, 
Bainbridge, Ga., 6s, 1921, 
Bainbridge, Ga., 6s, 1922-23, 
Bainbridge, Ga., 6s, 1924, 
Bainbridge, Ga., 6s, 1925-26, 
Chicago, 111., 5s, 1911, 
Chicago, 111., 5s, 1913, 
Chicago, 111., 5s, 1914, 
Cleveland. O., 4s, 1912, . 
Cleveland, O., 4s, 1922-25, 
Dallas, Tex., 5s, 1920, 
Durham, N. O, School, 4£s, 1935, 
Enfield, Conn., School District No. 2, 4£s, 
Georgia 4^s, 1915, . 
Greensboro, N. C, School 6s, 1922, 
Greenville, Ala., School 6s, 1922, 
Hamilton, Ont., debenture 4s, 1920, 
Jersey City, N. J., 5s, 1923, 



Book Value. 

$51,832 25 
27,087 00 
9,300 00 
63,192 50 
28,488 00 
34,906 50 
20,571 00 
50,037 00 

140,359 00 
30,200 00 
30,000 00 
14,143 00 
38,636 00 
8,792 50 
39,918 52 
11,000 00 
84,379 77 
66,889 00 
34,306 25 
10,000 00 
18,525 00 
5,544 00 

146,711 50 
63,779 00 
11,050 00 
10,000 00 
28,510 00 

$36,750 00 

2,500 00 

450 00 

36,000 00 

20,000 00 

33,000 00 

50,992 93 

750 00 

1,000 00 

113,718 85 

27,750 00 
18,795 00 
15,450 00 



8,000 00 



44,812 95 

52,095 00 
51,312 50 
35,902 68 
26,718 75 
4,000 00 
11,400 00 
24,480 00 
20,000 00 
48,185 00 
26,304 79 



r 



Rate. 

135 

95 

180 

113 

143 

160 

920 

650 

143 

22 

568 

261 

301 

165 

180 

536 

205 

421 

135 

175 

1,110 

290 

122 

150 

2 

1,400 

1,260 

80 
100 
100 
113 
145 
105 
113 

75 
125 



110 
109 
110 
103 
102 
103 
104 
105 
106 
107 
108 
109 
110 
111 
112 
113 
114 
102 
103 
104 
100 
101 
105 
104 
100* 
105 
115 
109 
99 
112 



Market Value. 

$54,000 00 
19,000 00 
8,100 00 
39,550 00 
35,750 00 
48,000 00 
69,000 00 

195,000 00 

143,000 00 
4,400 00 

170,400 00 
29,232 00 

103,845 00 

9,900 00 

63,000 00 

53,600 00 

128,125 00 

210,500 00 
37,125 00 
17,500 00 

166,500 00 
14,500 00 

122,000 00 

82,500 00 

200 00 

140,000 00 

126,000 00 

$32,000 00 

5,000 00 

450 00 

33,900 00 

14,500 00 

31,500 00 

56,500 00 

750 00 

1,250 00 



115 115,000 00 



27,500 00 

10,900 00 

6,600 00 

15,450 00 

510 00 

515 00 

520 00 

525 00 

530 

535 

540 
1,090 

550 

555 
1,120 

565 
1,140 
17,340 00 
12,360 00 
13,520 00 
50,000 00 
50,500 00 
37,800 00 
26,000 00 
4,000 00 
10,500 00 
27,600 00 
21,800 00 
45,540 00 
28,000 00 



00 
00 
00 
00 
00 
00 
00 
00 
00 



* Company's valuation. 



^ETNA INSURANCE CO. 



115 



Jersey City, N. J., refunding 4*s, 1928, 
Lexington, Kv., 5s, 1918, 
Manitoba 4s, 1947-1948, . 
Mecklenburg County, N. C., 6s, 1920, 
Montreal, Can., 4s, 1926-42, 
Montreal, Can., 4s, 1917, . 
New Mexico Territory 5s, 1925 op. 1915, 
New York, N. Y., 4*s, 1957, . 
Ogden, Utah, 5s, 1912, 
Port of Portland, Ore., 5s, 1922, 
Rahway, N. J., adjustment 4s, 1922, 
Richmond, Va., 6s, 1910, . 
Richmond, Va., 4s, 1929 and 1938, 
Roanoke, Va., 4s, 1936, 
Seattle, Wash., 5s, 1910, . 
Sioux Falls, So. Dak., 5s, 1910, 
Spokane County, Wash., 4*s, 1923, 
Syracuse, N. Y., 4*s, 1910, 



Syracuse, N. Y., 4|s 
Syracuse, N. Y., 4' 
Syracuse, N. 
Syracuse, N. 

Syracuse, N. 
Syracuse, N. 
Syracuse, N. 
Syracuse, N. 



Y. 
Y. 
Y. 
Y. 
Y. 
Y. 



s 
4£s 
4*s 
4*s 
4*s 
4*s 



2 

4+s 



1911-12, . 

1913, 

1914-15, . 

1916-18, . 

1919-20, . 

1921-22, . 

1923-25, . 

1926-28, . 
Tacoma, Wash., 5s, 1913, 

Talbot County, Ga., 6s, 1912, . 
Tennessee 3s, 1913, . 
Topeka, Kan., 5s, 1910, 
Westmount, Que., debenture 3*s, 1938, 

Winnipeg, Man., improvement deb. 4s, 1914, 
Winston, N. C, 5s, 1924, . 

Railroad Bonds. 
Alabama Central 1st 6s, 1918, . 
Baltimore & Ohio 1st 4s, 1948, . 
Baltimore & Ohio prior lien 3*s, 1925, 
Boston & Maine 4*s, 1929, 
Buffalo, New York & Erie 1st 7s, 1916, 
Central Branch 1st 4s, 1919, 
Central Ohio 1st consolidated 4*s, 1930, 
Central Pacific 3*8, 1929, . 
Central Pacific 1st 4s, 1949, 
Central of New Jersey 5s, 1987, 
Chesapeake & O. (Rich. & A. Div.) 1st 4s, 1989, 
Chicago, Burl. & Quincy mortgage 4s, 1922, 
Chicago, Burl. & Quincy (111. Div.) 3*s, 1949, 
Chicago, Burl. & Quincy (Neb. Ex.) 4s, 1927, 
Chic. & E. 111. gen. cons, and 1st 5s, 1937, . 
Chicago & Erie 1st 5s, 1982, 
Chicago, Hammond & Western 1st 6s, 1927, 
Chicago, Ind. & Southern mortgage 4s, 1956, 
Ch., Mil. & St. P. (Hast. & D. Div.) 1st 7s, 1910, 
Ch., Mil. & St. Paul (Dub. Div.) 1st 6s, 1920, 
Ch., Mil. & St. P. (So. Minn. Div.) 1st 6s, 1910, 
Ch., Mil. & St. P. general 4s, 1989, . 
Chic. No. Shore Street 1st 6s, 1912, . 
Chic. & Northw. (Mad. Ex.) 1st 7s, 1911, 
Chicago & Northwestern 6s, 1929, 
Chicago & Northwestern consol. 7s, 1915, 
Chicago & Northwestern 3*s, 1987, . 
Chicago & Northwestern 5s, 1933, 
Chicago & Northwestern mort. 5s, 1929, 
Chicago Rys. Class A 4s, 1927, . 
Chicago Rys. Class B 4s, 1927, . 
Chic, Rock Island & Pacific mort. 6s, 1917, 
Chic, Rock Island & Pacific gen. mort. 4s, 1988 
Chicago & Western Ind. consol. 4s, 1952, . 
Chicago & Western Ind. general 6s, 1932, . 
Cicero & Proviso St., Chicago, cons. 5s, 1915, 
Cincinnati, Davton & Ironton 5s, 1941, 
Cincinnati, Findlay & Fort Wayne 1st 4s, 1923, 



Book Value. 
126,250 00 
52,846 83 
14,875 00 
75,815 00 
62,504 43 
4,080 00 
10,550 00 
56,187 50 
18,270 00 
54,152 78 
44,796 80 
13,026 75 
25,650 00 
30,000 00 
50,000 00 
25,000 00 
51,250 00 



f 



39,886 32 



30,550 00 
4,550 00 
29,004 20 
25.000 00 
50,375 00 
33,143 90 
25,000 00 

58,000 00 

73,437 50 

23,187 50 

104,750 00 

97,590 00 

31,450 00 

27,593 75 

840 00 

48,875 00 

130,112 50 

49,326 80 

22,130 68 

5,250 00 

71,562 50 

56,218 75 

260,763 75 

62,500 00 

22,750 00 

60,750 00 

28,179 17 

55,677 50 

10,000 00 

26,500 00 

39,865 83 

23,456 25 

68,593 75 

86,860 00 

25,850 00 

1,125 00 

30,000 00 

45,000 00 

75,850 00 

103,500 00 

101,000 00 

114,237 50 

25,000 00 

53,087 50 

49,200 00 



Rate. 

108 

106 

102 

117 

100 

96 
106 
111 
102 
108 

90 
101 
101 

98 
100 
100 
101 
100 
101 
102 
103 
104 
105 
106 
107 
108 
103 
104 

97 
100 

92 
100 
105 

111- 

99 

93 
105 
115 

95 
103 

89 

97 
125 

99 
100 

90 
100 
114 
114 
118 

95 
100 
116 
100 
101 

75 
103 
112 
114 

90 
111 
109 

95 

86 
112 

99 

94 
111 

70 
108 



Market Value. 

$27,000 00 

53,000 00 

15,300 00 

84,240 00 

56,000 00 

3,840 00 

10,600 00 

55,500 00 

18,360 00 

54,000 00 

19,800 00 

6,363 00 

25,250 00 

29,400 00 

50,000 00 

25,000 00 

50,500 00 

2,000 00 

4,040 00 

2,040 00 

4,120 00 

6,240 00 

4,200 00 

4,240 00 

6,420 00 

6,480 00 

30,900 00 

4,160 00 

22,310 00 

25,000 00 

46,000 00 

31,793 00 

26,250 00 

55,500 00 
74,250 00 
23,250 00 

105,000 00 
86,250 00 
35,150 00 
25.750 00 
890 00 
48,500 00 

125,000 00 
59,400 00 
30,000 00 
6,300 00 
75,000 00 
57,000 00 

247,380 00 
59,000 00 
23,750 00 
50,000 00 
29,000 00 
50,000 00 
10,100 00 
18,750 00 
30,900 00 
23,520 00 
57,000 00 
77,400 00 
24,420 00 
1,090 00 
28,500 00 
38,700 00 
67,200 00 
99,000 00 
94,000 00 

105,450 00 
17,500 00 
54,000 00 
44,000 00 



116 



J2TNA INSURANCE CO. 



Cincinnati, Hamilton & Dayton 5s, 1942, . 

Cin., Indianap. & West. Ry. 1st and ref. 4s, 1953, 

Cleve., Cin., Chicago & St. Louis 4s, 1993, . 

Cleve., Col., Cin. & Indianap. 1st con. 7s, 1914, 

Cleve., Lorain & Wheel. 1st consol. 5s, 1933, 

Colorado & Southern 1st 4s, 1929, 

Columbus & Toledo 1st 4s, 1955, 

Dayton & Michigan 1st 5s, 1911, 

Delaware & Hud. Can. (Penn. Div.) 7s, 1917, 

Des Moines & Fort Dodge 1st 4s, 1935, 

Detroit 1st 5s, 1912, .... 

Detroit 1st 5s, 1915, .... 

Detroit 1st 5s, 1921, .... 

Detroit 1st 5s, 1924, .... 

Elgin, Joliet & Eastern 1st 5s, 1941, . 

Flint & Pere Marquette 1st consol. 5s, 1939, 

Flint & Pere Mar. (Pt. Hur. Div.) 1st 5s, 1939, 

Gal., Har. & San An. (M. & P. Ex.) 1st 5s, 1931, 

Georgia & Ala. new 1st cons. 5s, 1945, 

Georgia R.R. & Banking Co. 6s, 1910, 

Georgia R.R. & Banking Co. 4s, 1947, 

Hartford Street 1st 4s, 1930, 

Hocking Valley 1st consol. 4£s, 1999, 

Illinois Central (Springfield Div.) 1st 3£s, 1951, 

Iowa Central 1st and refunding 4s, 1951, 

Iowa Central 1st 5s, 1938, 

Keokuk & Des Moines 1st 5s, 1923, . 

Lake Shore & Michigan Southern 4s, 1931, 

Lehigh Valley 1st 4£s, 1940, 

Lehigh Valley Terminal 1st 5s, 1941, 

Louisville & Jefferson ville Bridge Co. 4s, 1945, 

Louis., N. Albany & C. (C. & I. Div.) 1st 6s, 1911 

Mahoning Coal 5s, 1934, .... 

Middlesex Valley 1st 5s, 1942, . 

Midland of New Jersey 1st 6s, 1910, . 

Minneap. & St. L. (Mer. June.) 1st 7-. 1927, 

Minneap. & St. L. (Pacific Ex.) 6s, 1921, . 

Minneapolis Union 6s, 1922, 

Montana Central 1st 6s, 1937, . 

Morris & Essex 1st 7s, 1914, 

Morris & Essex 1st consol. 7s, 1915, . 

New England 5s, 1945, .... 

New Haven & Northampton Co. ref. 4s, 1956, 

New York, Lake Erie & Western 7s, 1920, 

N. Y., N. H. & Hartford conv. 3£s, 1956, . 

N. Y., N. H. & Hartford conv. 6s, 1948, . 

N. Y., N. H. & Hartford 4s, 1956, 

N.Y., N. H. & H. (H. R. & Pt, C. Div.) 1st 4s, 1954 

N. Y., Susquehanna & Western 1st 5s, 1943, 

N. Y., Susquehanna & West. 1st refund. 5s, 1937 

Norfolk & Western 6s, 1931, 

North Chicago Electric 1st 6s, 1914, . 

Nor. Pac.-Gt. Nor. joint (C, B. & Q. col.) 4s, 1921 

Northwestern Union 1st 7s, 1917, 

Ohio & West Virginia 1st 7s, 1910, . 

Oregon Short Line 1st 6s, 1922, 

Oswego R.R. Bridge Co. 1st 6s, 1915, 

Pennsylvania Steel equipment 3^s, 1910, 

Pennsylvania Steel equipment 3£s, 1911, 

Pittsburg, Ft. Wayne & Chic. 1st 7s, 1912, 

Pittsburg, Ft. Wavne & Chic. 2d 7s, 1912, . 

Pittsburg, Ft. Wayne & Chicago 3d 7s, 1912, 

Port Reading R.R. 1st mortgage 5s, 1941, . 

St. P., Minneap. & Man. consol. 6s, 1933, . 

St. P., Minneap. & Man. (Mon. Ex.) 1st 4s, 1937, 

St. Paul & Northern Pacific 1st 6s, 1923, . 

St. Paul & Sioux City 1st 6s, 1919, . 

Southern Ry. 1st 5s, 1994, 

Southern Rv. (St. Louis Div.) 1st 4s, 1951, 

Terre Haute & Peoria 1st 5s, 1942, . 

Toledo & Ohio Central 1st 5s, 1935, . 

Toledo & Ohio Central (West. Div.) 1st 5s, 1935, 



J 



Book Value. 

$117,231 67 

49,500 00 

199,250 00 

126,551 50 

87,555 00 

24,531 25 

140.279 39 

21,100 00 

31,970 00 

24,437 50 

53,739 90 



57,250 
26,030 
59,262 
54,000 
56,125 
28,734 
23,375 
51,500 
78,716 

101,000 
45,750 
56,125 
45,942 
22,906 

188,641 

173,305 
49,250 
32,987 
28,584 
L'\750 
33,762 
82,702 
31,875 

146,429 
94,787 
34,027 

130,909 
62,437 
50,312 
64,143 

108,293 

120,200 
48,000 

102,218 
27,000 
68,990 
59,251 
27,375 

155,963 
76,074 
79,463 
74,987 
52,679 



r 



00 
00 
50 
00 
00 
75 
00 
00 
25 
00 
00 
00 
50 
25 
25 
00 
00 
50 
74 
00 
50 
50 
00 
58 
50 
50 
72 
50 
50 
75 
00 
00 
00 
75 
00 
00 
83 
00 
12 
22 
70 
50 
17 



47,886 85 



88,881 
90,406 
47,600 
53,000 
91,212 
24,750 
186,551 
57,790 
52,005 
49,875 
25,805 
57,272 
48,007 



37 
00 
00 
00 
50 
00 
67 
00 
00 
00 
54 
50 
95 



Rate. 

107 

88 

97 

110 

113 

96 

99 

100 

120 

90 

99 

98 

96 

95 

113 

106 

107 

108 

106 

101 

95 

100 

103 

89 

76 

107 

104 

95 

107 

115 

94 

102 

114 

104 

101 

133 

113 

117 

130 

112 

114 

118 

100 

122 

102 

134 

96 

101 

112 

106 

125 

75 

97 

119 

101 

117 

109 

100 

99 

107 

106 

106 

110 

128 

99 

118 

115 

112 

87 

109 

110 

110 



Market Value. 

$115,560 00 

44,000 00 

194,000 00 

110,000 00 
84,750 00 
24,000 00 

123,750 00 
20,000 00 
30,000 00 
22,500 00 
19,800 00 
6,860 00 
960 00 
20,900 00 
56.500 00 
26,500 00 
58,850 00 
54,000 00 
53,000 00 
25,250 00 
23,750 00 
50,000 00 
77,250 00 
89,000 00 
38,000 00 
53,500 00 
52,000 00 
23,750 00 

187,250 00 

172,500 00 
47,000 00 
30,600 00 
34,200 00 
26,000 00 
30,300 00 
74,480 00 
28,250 00 

146,250 00 
91,000 00 
28,000 00 

125,400 00 
59,000 00 
50,000 00 
61,000 00 

110,466 00 

161,068 00 
48,000 00 

101,000 00 
28,000 00 
63,600 00 
62,500 00 
18,750 00 

194,000 00 
71,400 00 
70,700 00 
70,200 00 
54,500 00 
45,000 00 
4,950 00 
80,250 00 
85,860 00 
42.400 00 
55^00 00 
89,600 00 
24,750 00 

177,000 00 
57,500 00 
56,000 00 
43,500 00 
27,250 00 
55,000 00 
49,500 00 



AGRICULTURAL INSURANCE CO. 



117 



Toronto, Hamilton & Buffalo 1st 4s, 1946, 

Vermont Valley mortgage 5s, 1910, . 

Wabash 1st 5s, 1939, 

West Shore 1st 4s, 2361, . 

Willmar & Sioux Falls 1st 5s, 1938, . 

Miscellaneous Bonds. 
Atlantic Mutual Insurance Co. scrip 6s, 1904-5, 
Atlantic Mutual Insurance Co. scrip 6s, 1906, 
Atlantic Mutual Insurance Co. scrip 6s, 1907-08, 
Masonic Temple Cor., Wilmington, N. C., 6s, 1919, 
New York Dock Co. 1st 4s, 1951, 
Peoples' G. Lt. & Coke Co., Chicago, ref. 5s, 1947, 



Book Value. 


Rate. 


Market Value. 


$98,087 50 


90 


$90,000 00 


54,460 00 


100 


54,000 00 


112,097 50 


113 


113,000 00 


43,875 00 


102 


51,000 00 


56,318 75 


115 


57,500 00 


." [ 31,407 50 j 


106 


21,740 60 


107 


5,992 00 


108 


4,870 80 


30,500 00 


106 


31,800 00 


55,000 00 


94 


51,700 00 


52,312 50 


103 


51,500 00 


$12,779,648 64 


$14,808,213 15 



AGRICULTURAL INSURANCE COMPANY, WATERTOWN, N. Y. 

Incorporated 1853.* Commenced business Feb. 17, 1853. 

Paid-up Capital, $500,000. - 
W. H. STEVENS, President. J. Q. ADAMS, Secretary. 

Home Office, 23 Washington Street. 

Income. 

Net fire premiums, $1,653,436 88 

Gross interest on mortgages, $32,703.03; collaterals, $23,328.75; 
stocks and bonds, $65,795.84; bank deposits, $6,570.29; all 
other, $840.28; gross rents, for company's own occupancy, 

$2,500, 131,738 19 

Gross profit on sale or maturity of ledger assets, . . . 4,791 03 

Gross increase in book value of bonds, ..... 1,458 63 

Agents' balances previously charged off, ..... 188 47 



Total income, 
Ledger assets, Dec. 31, 1908, 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ..... 

Commissions or brokerage, ..... 

Agency expenses, . . . . . . 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, including $2,500 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 

* Organized as mutual company 1853; incorporated as stock company Jan. 10, 1863. 





$1,791,613 20 


• 


3,031,277 18 


. $4,822,890 38 


. $634,234 14 




29,257 47 




62,500 00 




370,588 70 




3,595 24 




107,368 10 




51,548 27 




5,007 66 




20,488 73 




15,582 45 




615 30 




550 84 




3,456 54 




18,510 62 




13,649 40 




11,604 39 




901 78 



118 



AGRICULTURAL INSURANCE CO. 



Taxes on real estate, ..... 
State taxes on premiums, .... 
Insurance department licenses and fees, . 
Other licenses, fees and taxes, 
Gross loss on sale or maturity of ledger assets, 
Gross decrease in book value of bonds, 
Agents' balances charged off, .... 
All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 



Total ledger assets, ....... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $9,342.17; bonds, $18,593.73; collateral loans, 

$8,907.11; other assets, $1,366.76, 

Market value of real estate over book value, .... 

Market value of stocks and bonds over book value, . 

Due from other companies, ....... 

Gross assets, ......... 



$970 42 

30,954 35 

7,714 05 

7,118 17 

7,981 56 

833 39 

543 51 

2,686 63 



• 


$1,408,261 71 






$3,414,628 67 

$58,852 61 
629,829 06 
353,700 75 
1,798,019 79 
10,045 59 
278,964 10 
285,216 77 



$3,414,628 67 



38,209 77 

9,759 40 

79,742 21 

2,478 90 

$3,544,818 95 



Assets not admitted. 

Agents' balances over three months due, 
Mortgage loans in excess of appraisal, 

Admitted assets, ..... 



$2,910 40 
62,091 00 



65,001 40 
$3,479,817 55 



Liabilities. 

Unpaid losses, including $21,294 resisted, $156,434.54 

reinsurance, $30,008.76, .... 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Due for reinsurance, ..... 



Total, .... 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities and surplus, 



less 



$500,000 00 
1,105,007 62 



$126,425 78 

1,690,020 24 

6,666 52 

32,000 00 

19,697 39 

$1,874,809 93 



1,605,007 62 
$3,479,817 55 



AGRICULTURAL INSURANCE CO. 



119 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Risks and Premiums. 

Risks. Premiums. 

$344,497,600 00 $3,503,058 00 
226,499,600 00 2,406,795 23 



$570,997,200 00 $5,909,853 23 
204,907,200 00 2,180,451 23 



$366,090,000 00 $3,729,402 00 
41,596,300 00 470,920 00 



Xet amount in force, 



$324,493,700 00 $3,258,482 00 



Miscellaneous. 



Xet premiums received from organization of company, 

Xet losses paid from organization of company, 

Cash dividends declared from organization of company, 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (12£ per cent.), . 

Par value of company's stock owned b} T directors, 



$36,986,523 00 

18,739,024 00 

1,792,500 00 

400,000 00 

649,683 00 

62,500 00 

77,900 00 



1932 



11 

100 

150 

50 

15 

49 

250 



Schedule A. Securities held as Collateral. 

Company's 
Market Value. 

S586 00 

10,000 00 

2,000 00 

15.000 00 

13,000 00 

3,450 00 

4,500 00 

6,000 00 

1,700 00 

48,000 00 

30,000 00 

7,500 00 

29,500 00 

100,000 00 

75,000 00 

9,355 00 

1,900 00 

1,650 00 

10,000 00 

17,250 00 

25,000 00 

3,150 00 

3,038 00 

25,000 00 

3.000 00 
1,050 
4,000 
5,000 
1,000 

6,000 00 J 

4,200 00 

840 00 

5,300 00 



Y. 



Schedule B. 

Railroad Stocks. 
110 shares Atch., Topeka & Santa Fe\ 
400 " Atch., Topeka & Santa Fe, pref., 



Loaned 
Thereon. 

S500 00 

8,000 00 

1,000 00 

12,750 75 

5,000 00 

6,750 00 

6,000 00 

10,500 00 

20,000 00 

2,500 00 

20,000 00 

100,000 00 

75,000 00 

12,200 00 

3,000 00 

8,500 00 

10,000 00 

4,000 00 

25.000 00 

2,500 00 

500 00 

3,000 00 

10,000 00 

3,000 00 

500 00 

3,500 00 

$472,969 00 S353,700 75 

Stocks and Bonds owned by the Company. 



Real estate mortgage, ..... 
100 shares Brockwav Co., Watertown, N. Y., 
Deed of real estate, White Plains, N. Y., . 
Real estate mortgage, ..... 
50 shares Union ^National Bank, Schenectadv, N. Y. 
30 " West End Paper Co., Carthage, N. Y., 
45 " Harmon Machine Co., Watertown, N. Y., 
Deed of real estate, Clifton Park, N. Y., 
Wilford Realty Co. 6s, 1911, Cohoes, N. Y., 

80 shares Brown ville Paper Co., Brown ville, N. Y., 
300 " pref., St. Regis Paper Co., Deferiet, N. Y., 

50 " Adams & Duford Co., Chaumont, N. Y., 
St. Law. In. El. R.R. & Land Co., Alex. Bay, N. Y., 5s, 
Real estate mortgage, .... 
Real estate mortgage, .... 
Real estate mortgages, .... 
10 shares Carthage National Bank, Carthage, N 
City Nat. Bank, Watertown, N. Y., 
Carthage Tissue Paper Mill, Carthage, N. Y 
West End Paper Co., Carthage, N. Y., 
Jeff. County National Bank, Watertown, N 
Watertown National Bank, Watertown, N. 
International Paper Co., preferred, 
: Hunting Co., Watertown, N. Y., preferred, 
Deed of real estate, Elmira, N. Y., 

5 shares stock Watertown National Bank, Water., N 
Ontario Talc Co., Gouverneur, N. Y., 6s, 1911-14, 
Carthage Sulphite Co., Carthage, N. Y., 6s, 1924, 
Champion Paper Co., Carthage, N. Y., 6s, 1924, . 
Remington-Martin Co., Norfolk, N. Y., 6s, 1923, 
20 shares Watertown National Bank, Watertown, N. 
4 " Watertown National Bank, Watertown, N. 
53 " St. Regis Paper Co., pref., Deferiet, N. Y., 



Y., 
Y., 



. Y., 



Y., 
Y., 



00 
00 
00 
00 



Book Value. 

811,623 23 

39,801 S3 



Rate. 
123 

105 



Market Value. 

§13,530 00 

42,000 00 



120 



AGRICULTURAL INSURANCE CO. 



250 shares Cavuga & Susquehanna, 

500 " Chicago, Milwaukee & St. Paul, . 

250 " Chicago, Mil. & St. Paul, preferred, 

250 " Great Northern, preferred, 

100 " Hereford, .... 

14 " Illinois Central, leased line, 

250 " Louisville & Nashville, 

220 " Morris & Essex, 

26 " Morris & Essex Extension, 

476 " Nashville & Decatur, 

100 " N. Y., Lackawanna & Western, 

250 " N. Y., N. H. & Hartford, . 

83 " N. Y., N. H. & Hartford (259; pd.), 

132 " Oswego & Syracuse! 

150 " Pittsburg, Ft. Wayne A Chicago, 

200 " Rome, Watertown & Ogdensburg, 

200 " Union Pacific, preferred, 

28 " Union Pacific, .... 

40 " Warren, 

Bmil: Stocks. 

20 shares Cart lia<_ r r National, Carthage, N. Y., . 

26 " Jefferson Go. Nat., Watertown, N. Y. t . 

130 " Nat. Bk. and Loan Co., Water., N. Y., 

75 " Nat. Herkimer Co., Little Falls, N. Y., 

284 " National Union. Watertown, N. V., . 

150 " Watertown Nat., Wat ert own, N. Y., . 

Misct lid in nus Stories. 

200 shares An kt. Locomotive Co., preferred, 

9 " General Adjustment Bureau, N. Y.. 

100 " General Electric Co.. 

263 " Hung.-Hol. Co., Watertown, N. Y., 

300 " Inteinational Paper Co., preferred, 

3 " Louisville Property Co., 

2 " Southern Adjustment Bureau, . 

5 " Underwriters' Sal. Co., New York, 

5 " Underwriters' Sal. Co., Chicago, 

70 " Watert'nCar. Co., Watert'n, N.Y., pref., 

1 " We>t. Adj. & [nspeC. Co., 

State and Municipal Bonds. 

Ashville, X. C, is. 1922, .... 
Georgi.i 1 '.-, 1915, . 

New York Canal Improvement 3>, 1 95S, 
New York, N. Y., Is, 1959, 
Peekskill, N. Y., 4.15s. 1938, . 
Richmond, Ya., Is. 1921-27, 
Rye, N. Y., Park 3.85s, 1943, . 
Sullivan, Laurens Co., S. C, 5-^s, 1937, 
White Plains, N. Y., 44s, 1938, 

Railroad Bonds. 

Atch., Top. & Santa Fe (Tr. Short Line) 4s, 1958, 

Baltimore & Ohio (S. West. Div.) 1st 3+s, 1925, 

Carolina, Clinch. & Ohio 1st 5s, 1938, 

Central of Georgia Equip. Asso. 5s, 1916, . 

Chic, Mil. & St. Paul debentures 4s, 1934, 

Chicago 1st 5s, 1927, .... 

Chic, Rock Island & Pac 1st and ref. 4s, 1934, 

Cleveland 1st 5s, 1912, 

Erie (Pennsvlvania col.) 4s, 1951, 

Gal., Har. & San An. (T., M. & P. Ex.) 5s, 1931, 

Georgia Ry. & Electric 5s, 1932, 

Interborough Rapid Transit conv. 6s, 1911, 

Interborough Rapid Transit 5s, 1952, 

Kanawha & Michigan 2d 5s, 1927, 

Kings County Elevated 1st 4s, 1949, . 

Lehigh & Hudson River consolidated 5s, 1917, 

Mah. & Shen. Ry. & L. Co. 1st con. ref. 5s, 1916, 

Manhattan consol. 1st 4s, 1990, 

Metropolitan St., N. Y., refunding 4s, 2002, 

Michigan Central debentures 4s, 1929, 

Missouri Pacific col. trust 5s, 1917, 

N. Y. Cent. & Hud. R. (Lake Sh. col.) 34s, 1998, 



Book Value. 
$17,250 00 
66,348 96 
32,746 78 
27,456 25 
10,150 00 

1,489 25 
27,043 75 
21,540 00 

2,782 00 
23,192 50 
13,650 00 
39,3S7 50 

2,588 50 
15,741 00 
27,750 00 
27,500 00 
17,025 33 

1,900 00 

3,720 00 

2,286 00 
1,895 00 

14, 500 00 
12.7.-.0 0<) 
35,529 95 
17,045 00 

18,825 oo 

150 no 
1 1,000 oo 
26,300 oo 
24,950 oo 

35 oo 

loo oo 

500 00 

500 oo 

'.1.100 00 

150 oo 

9,750 21 
11,478 23 

25.ooo oo 

27,165 is 
5,114 79 

27,265 35 
9,732 85 
8,040 20 

10,749 17 

23,775 00 

36,M4 75 

15,000 00 

24,562 50 

23,737 98 

9,478 95 

21,514 43 

9,887 50 

19,145 35 

21,578 26 

26,197 92 

15,025 00 

10,317 60 

24,052 60 

21,463 41 

5,000 00 

9,670 66 

29,135 67 

19,669 11 

14,074 28 

26,722 22 

~9,'567 36 



Rate. 
226 
158 
172 
144 
90 
98 
158 
185 
102 

lss 
127 
158 
148 
225 
170 
126 
104 
200 
177 

190 

250 
190 
200 
160 

210 

116 

100 

101 

100 

62 

45 

100 

125 

75 

100 

100 

98 

lo.-, 
103 
100 
103 
101 
100 
107 
106 

94 

90 

100 

101 

94 

101 

91 

99 

86 

108 

101 

104 

104 

96 

85 

102 

96 

98 

52 

93 

101 

81 



Market Value. 

$16,950 00 

79,000 00 

43,000 00 

36,000 00 

9,000 00 

1,372 00 

39,500 00 

20,350 00 

2,652 00 

22,372 00 

12,700 00 

39,500 00 

4,502 75 

14,850 00 

'-'*;, 'oo oo 

25,200 00 

20,800 00 

5, 70S ()() 

3.540 00 



3,800 

6,500 

2 1,700 

15,000 
15,440 

31,500 

23,200 
450 
16,100 
26,300 
18,600 
1 35 

100 

625 

375 

7,000 

100 



00 
00 
00 
00 
00 
00 

00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



9,800 00 
10,500 00 
25,750 00 
27,000 00 

5,150 00 
27,270 00 
10,000 00 

8,025 00 
10,600 00 

23,500 00 
36,900 00 
15,000 00 
25,250 00 
23,500 00 
10,100 00 
22,750 00 

9,900 00 
17,200 00 
21,600 00 
25,250 00 
15,600 00 
10,400 00 
24,000 00 
21,250 00 

5,100 00 

9,600 00 
29,400 00 
10,400 00 
13,950 00 
25,250 00 

8,100 00 



ALBANY INSURANCE CO. 



121 



N. Y., Chicago & St. Louis debentures 4s, 1931, 

N. Y., N. H. & Hartford conv. 6s, 1948, . 

N. Y., Ont. & Western 4s, 1955, 

Norfolk & Southern 1st 5s, 1954, 

Nor. Pac. (St. Paul & Duluth Div.) 4s, 1996, 

Nor. Pac.-Gt, Nor., joint (C, B. & Q. col.) 4s, 1921 

Ozark & Cherokee Central 1st 5s, 1913, 

Puget Sound Electric 1st 5s, 1932, 

Reading Co. (Jersey Cent, col.) 4s, 1951, 

Southern Pacific 1st refunding 4s, 1955, 

Southern Pacific Co. conv. 4s, 1929, . 

Tri City Ry. & Light Co. 5s, 1923, . 

Union Pacific 1st and refunding 4s, 2008, . 

Union Pacific scrip 4s, 1927, 

United, St. Louis, Mo., 1st 4s, 1934, . 

Virginia & Southwestern 1st 5s, 1958, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, . 
Brown ville Paper Co., Brown ville, N. Y., 5s, 1915 
Butte Elec. & Power Co., Mont., 1st 5s, 1951, 
California Gas & Elec. Corp. un. and ref. 5s, 1937 
Cincinnati Gas Trans. Co. 1st 5s, 1933, 
Cons. Light. Co. of Vt. 20 yr. 1st 5s, 1926, 
Consolidated Water Co., Utica, N. Y., 1st 5s, 1930 
Gen. El. Co., Schenectady, N. Y., conv. 5s, 1917, 
Great West. Power Co. 1st 5s, 1946, . 
Indiana & Mich. Elec. Co. 1st 5s, 1957, 
International Paper Co., cons. sink, fund 5s, 1935 
Jeff. Power Co., Black R. N. Y., 1st 6s, 1902-12, 
Minneap. Gen. Elec. Co., Minneap., 1st 5s, 1934, 
New York Telephone Co. 1st 4£s, 1939, 
N. Y. & Westchester Lighting Co. 4s, 2004, 
O. F. Tern. As., Little Falls, N. Y., 5s, 1911-30, ser 
Pacific Tel. & Tel. Co. 1st col. 5s, 1937, 
Raq. F. & Sup. Co., Massena, N. Y., 1st 6s, 1918, 
San Diego Cons. Gas & El. Co. 1st 5s, 1939, 
Union El. Lt. & P. Co., St. Louis, Mo., 1st 5s, 1932 
West End Paper Co., Carthage, N. Y., 6s, 1916-17 



Book Value. 
819,644 10 

8,300 00 
13,018 08 
10,000 00 
10,000 00 

9,457 81 
14,835 00 

9,808 33 
19,340 70 
33,201 60 
25,773 80 
14,790 00 
23,886 25 
138 75 

8,641 82 

9,853 00 

27,732 15 
23,000 00 
24,145 35 
23,913 80 
24,340 00 
14,688 33 
10,238 64 
15,740 28 
14,415 78 
14,412 24 
22,592 60 
34,000 00 
24,639 42 
24,364 92 
23,206 40 
20,000 00 
23,853 45 
8,000 00 
9,806 45 
9,952 08 
8,000 00 

$1,798,019 79 



Rate. 
92 

134 
94 
94 
96 
97 
97 

101 
97 
95 

106 
98 
98 

117 
82 
98 

93 

.100 

99 

95 

98 

98 

101 

148 

95 

99 

89 

100 

100 

98 

78 

100 

100 

100 

98 

102 

100 



Market Value. 

$19,320 00 

11,122 00 

14,100 00 

9,400 00 

9,600 00 

9,700 00 

14,550 00 

10,100 00 

19,400 00 

33,250 00 

26,500 00 

14,700 00 

24,500 00 

263 25 

8,200 00 

9,800 00 

27.900 00 
23,000 00 
24,750 00 
23,750 00 
24,500 00 
14,700 00 
10,100 00 
22,200 00 
14,250 00 
14,850 00 
22,250 00 
34,000 00 
25,000 00 
24,500 00 
19,500 00 
20,000 00 
25,000 00 
8,000 00 
9,800 00 
10,200 00 
8,000 00 

81,877,762 00 



ALBANY INSURANCE COMPANY, ALBANY, N. Y. 

Incorporated March 8, 1811. Commenced business March 16, 1811. Re-organized June 1, 1881. 

Paid-up Capital, $250,000. 
JOHN E. McELROY, President. CHARLES H. HAHN, Secretary. 

Home Office, 93 State Street. 



Income. 

Net fire premiums, ........ 

Gross interest on mortgages, $10,111.30; stocks and bonds, 
$26,095.32; bank deposits, $310.97; gross rents, including 
$1,500 for company's own occupancy, $6,802.60, . 

Gross profit on sale of bonds, ...... 

McElroy and Hahn agency, ....... 

Total income, ........ 

Ledger assets, Dec. 31, 1908, 

Total, 

Disbursements. 
Net amount paid policy holders for fire losses, .... 
Expenses of adjustment and settlement of losses, 



$316,378 32 



43,320 19 
5,165 00 
6,891 69 

$371,755 20 
847,072 95 

$1,218,828 15 



$148,971 82 
2,837 70 



122 



ALBANY INSURANCE CO. 



Dividends to stockholders, $25,000 00 

Commissions or brokerage, ....... 80,993 95 

Salaries, fees, etc., of officers and employees, .... 15,403 14 

Rents, including $1,500 for company's own occupancy, . . 1,550 00 

Advertising, printing and stationery, ..... 2,24$ 17 

Postage, telegrams, telephone and express, .... 1,916 58 

Furniture and fixtures, . . . . . . . . 100 47 

Maps, including corrections, ....... 504 05 

Underwriters' boards and tariff associations, . . . . 3,111 33 

Fire department, patrol and salvage corps fees and taxes, . . 3,146 95 

Inspections and surveys, . . . . . . . 148 32 

Repairs and expenses on real estate, ..... 2,280 96 

Taxes on real estate, . . . . . . . . 1,133 55 

State taxes on premiums, ....... 4,571 40 

Insurance department licenses and fees, ..... 507 00 

Other licenses, fees and taxes, ...... 1,967 70 

All other disbursements, ....... 287 09 

Total disbursements, $296,680 18 

Balance, $922,147 97 

Ledger Assets. 

Book value of real estate, ....... $75,000 00 

Mortgage loans on real estate, ...... 194,700 00 

Book value of stocks and bonds (schedule A), . . . . 583,151 50 

Cash in office, ......... 1,114 35 

Deposits in trust companies and banks not on interest, . . 15,597 02 

Deposits in trust companies and banks on interest, . . . 11,000 00 

Agents' balances, . ....... 39,556 03 

Due from McElroy and Hahn agency, 2,029 07 

Total ledger assets, $922,147 97 

Non-Ledger Assets. 
Interest accrued on : — 

Mortgages, $820.73; bonds, $3,755.36, 4,576 09 

Rents due on company's property, ...... 623 20 

Market value of stocks and bonds over book value, . . . 11,898 50 

Gross assets, $939,245 76- 

Assets not admitted. 

Agents' balances over three months due, .... 89 43 

Admitted assets, $939,156 3$ 

Liabilities. 

Unpaid losses, including $2,200 resisted, $27,733.66; less rein- 
surance, $3,032.08, $24,701 58 

Unearned premiums on outstanding risks, . . . 274,380 5& 

Salaries, expenses and accounts, due or accrued, ... 24 95 

State, county and municipal taxes, due or accrued, . . . 3,586 98 

Total, $302,694 07 

Cash capital, $250,000 00 

Surplus over all liabilities, .... 386,462 26 

Surplus to policy holders, .... 636,462 26 

Total liabilities and surplus, $939,156 3a 



ALBANY INSURANCE CO. 



123 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. Premiums. 

$51,905,463 00 $534,651 62 

39,218,785 00 403,330 66 

$91,124,248 00 $937,982 28 

34,715,820 00 370,721 20 

$56,408,428 00 $567,261 08 

4,895,882 00 45,978 55 



$51,512,546 00 $521,282 53 



Miscellaneous. 

Net premiums received from reorganization of company, . 

Net losses paid from reorganization of company, 

Cash dividends declared from reorganization of company, . 

Stock dividends declared from reorganization of company, 

Fire losses incurred during the year, . 

Dividends declared during the year (10 per cent.), . 

Par value of company's stock owned by directors, 



$3,957,615 00 

2,014,564 33 

602,500 00 

50,000 00 

152,944 40 

25,000 00 

36,300 00 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
50 shares Conn. R.R. & Lt. Co., preferred, 
50 " Detroit & Mackinac, preferred, . 

Bank Stocks. 
50 shares N. Y. State National, Albany, . 

Miscellaneous Stocks. 
100 shares Am. Gas & El. Co., cumu., preferred, 
100 " American Tobacco Co., preferred, 
100 " Elec. Securities Corp., cumu., pref., 
100 " Mackay Cos., preferred, 

Railroad Bonds. 
Atlanta, Knoxville & Northern 5s, 1946, 
Central Pacific 1st ref. 4s, 1949, 
Chicago, Burlington & Quincy 4s, 1958, 
Chicago, Burl. & Quincy joint 4s, 1921, 
Delaware & Hudson convertible 4s, 1916, 
Detroit & Mackinac 4s, 1995, . 
Houston, East & West Texas 1st 5s, 1933, 
Interborough Metropolitan 4-J-s, 1956, 
Lake Shore & Michigan Southern 4s, 1928, 
Lake Shore & Michigan Southern 5s, 1910, 
Milwaukee Elec. Ry. & Light Co. 4|s, 1931, 
N. Y. Central & Hudson River 4s, 1934, . 
N. Y. Central & Hudson River note, 5s, 1910, 
Northern Pacific 3s, 2047, 
Pennsylvania convertible 3-|s, 1915, 
St. Louis & San Francisco 4s, 1951, 
Schenectady consolidated 4^s, 1953, 
Schenectady 1st 4-|s, 1941, 
Springfield & Eastern 5s, 1922, 
Texas Central 5s, 1923, . 
Union of New York 5s, 1942, . 
Union Pacific convertible 4s, 1927, 
United Trac. Co. of Albany & Troy 4%s, 1919, 
Un. Trac. Co. of Albany & Troy cons. 4^s, 2004, 
Virginia & Southwestern 5s, 2003, 
Virginia & Southwestern 1st col. 5s, 1958, 
Wabash 1st 5s, 1939, 
Wabash (Chic. & Detroit Ex.) 5s, 1941, 
Watervliet Turnpike & R.R. 6s, 1919, 
Western N. Y. & Pennsylvania 5s, 1937, 



Book Value. 

$4,000 00 

5,000 00 

14,654 00 

4,225 00 

10,450 00 

9,100 00 

7,050 00 

20,750 00 

4,875 00 

4,931 25 

9,650 00 

5,500 00 

9,658 00 

5,275 00 

4,087 50 

9,900 00 

4,956 25 

11,970 00 

10,000 00 

4,956 25 

3,554 25 

4,560 00 

24,000 00 

24,375 00 

8,120 00 

5,342 00 

20,000 00 

10,000 00 

4,687 50 

15,140 00 

15,225 00 

25,632 00 

29,550 00 

25,000 00 

9,885 00 

16,060 00 

25,000 00 



Rate. 
83 
93 

300 

91 
97 
90 

78 

110 

97 

100 

97 

103 

96 

105 

84 

96 

100 

95 

96 

100 

74 

97 

85 

99 

100 

100 

105 

100 

117 

100 

101 

110 

98 

113 

110 

109 

112 



Market Value. 

$4,150 00 

4,650 00 

15,000 00 

4,550 00 
9,700 00 
9,000 00 
7,800 00 

22,000 00 

4,850 00 

5,000 00 

9,700 00 

5,150 00 

9,600 00 

5,250 00 

4,200 00 

9,600 00 

5,000 00 

11,400 00 

9,600 00 

5,000 00 

3,700 00 

4,850 00 

20,400 00 

24,750 00 

8,000 00 

5,000 00 

21,000 00 

10,000 00 

5,850 00 

15,000 00 

15,150 00 

27,500 00 

29,400 00 

28,250 00 

11,000 00 

16,350 00 

28,000 00 



124 



THE ALLEMANNIA FIRE INSURANCE CO. 



Miscellaneous Bonds. 
American Tube & Stamping Co. 5s, 1932, . 
Colorado Fuel & Iron Co. 5s, 1943, . 
Consumers Gas Co., Chicago, 5s, 1936, 
Electrical Securities Corporation 5s, 1936, . 
Equit. Gas & Elec. Lt. Co., Utica, 5s, 1942, 
Kings County El. Lt. & Power Co. 6s, 1997, 
Kings County Lighting Co. 1st 5s, 1954, 
Laclede Gas Light Co., St. Louis, 5s, 1934, 
Montreal Light, Heat & Power Co. 4£s, 1932, 
N. Y. Gas & Elec. Lt., Heat & P. Co. 5s, 1948, 
Peoples' Gas Lt. Co., Chicago, cons. 6s, 1943, 
Scranton Electric Co. 1st 5s, 1937, 
Union El. Lt. & Power Co., St. Louis, 5s, 1932, 
United El. Lt. & Power Co., Baltimore, 4£s, 1929 
U. S. Steel Corporation 2d 5s, 1963, . 
Utica Gas & Elec. Co. ref. and ext. 5s, 1957, 
Virginia Iron, Coal & Coke Co. 5s, 1949, 
Watertown Lt. & Power Co. 1st 5s, 1959, . 



Book Value. 


Rate. 


Market Value. 


$4,760 00 


100 


$5,000 00 


10,150 


00 


98 


9,800 00 


5,350 


00 


103 


5.150 00 


10,000 


00 


99 


9,900 00 


8,000 


00 


102 


8,160 00 


5,950 


00 


114 


5,700 00 


20,200 


00 


100 


20,000 00 


5,150 


00 


101 


5,050 00 


5,125 


00 


99 


4,950 00 


5,500 


00 


103 


5,150 00 


15,922 


50 


120 


18,000 00 


4,800 


00 


102 


5,100 00 


7,000 


00 


102 


7,140 00 


, 9,500 


00 


93 


9,300 00 


25,062 


50 


105 


26,250 00 


4,625 


00 


101 


5,050 00 


4,012 


50 


99 


4,950 00 


4,925 


00 


100 


5,000 00 


$583,151 


50 


$595,050 00 



THE ALLEMANNIA FIRE INSURANCE COMPANY, PITTSBURGH, PA. 

Incorporated April 1, 1868. Commenced business July 1, 1868. 

Cash Capital, $200,000. 
W. STEINMEYER, President. C. P. KELLERMAN, Secretary. 

Home Office, 345 Fourth Avenue, Pittsburgh, Pa. 
Income. 



Net fire premiums, ........ 

Gross interest on mortgages, $45,098.69; collaterals, $1,029.67; 

stocks and bonds, $14,066.98; bank deposits, $2,457.40; 

all other, $1,164.49; gross rents, $238.75, . . . . 

Gross profit on sale or maturity of stocks and bonds, 

Total income, ........ 

Ledger assets, Dec. 31, 1908, ....... 



$753,828 90 



64,055 98 
16,437 50 

$834,322 38 
1,254,728 81 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, .... 

Commissions or brokerage, .... 

Agency expenses, ...... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, . 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and 

Inspections and surveys, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 



taxes, 



$2,089,051 19 


$334,722 94 


5,772 03 


30,000 00 


196,366 64 


769 90 


22,525 89 


31,776 25 


5,470 00 


10,190 25 


5,465 22 


1,219 99 


739 05 


4,035 79 


8,184 18 


7,530 64 


474 50 


213 21 


8,411 19 


4,366 05 


976 20 



THE ALLEMANNIA FIRE INSURANCE CO. 



125 



Gross decrease in book value of bonds, 

All other disbursements, : 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 
Loans secured by collateral (schedule A) , 
Book value of stocks and bonds (schedule B), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Bills receivable, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $13,203; bonds, $2,641;* collateral loans, $225 

other assets, $1,164, ....... 

Market value of real estate over book value, 

Market value of stocks and bonds over book value, . 

Gross assets, ........ 

Assets not admitted. 
Agents' balances over three months due, . 

Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $9,267 resisted, $101,502.21; less rein- 
surance, $18,969.20, 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for reinsurance, 



. 




$85 00 




1,419 33 


$680,714 25 


$1,408,336 94 


$22,998 58 






884,478 00 






18,000 00 






252,260 50 






17,724 33 






111,955 52 






100,217 87 






702 14 


$1,408,336 94 



17,233 00 

1,001 42 

45,049 50 



Total, . 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities and surplus, 

Risks and Premiums. 



$200,000 00 
486,155 57 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$117,975,527 00 
90,146,981 00 



,471,620 86 



2,220 80 
$1,469,400 06 



$82,533 01 
687,093 57 
3,190 10 
1,500 00 
6,000 00 
2,927 81 

$783,244 49 



686,155 57 
$1,469,400 06 



Premiums. 

$1,311,081 62 
993,009 03 



$208,122,508 00 $2,304,090 65 
74,705,313 00 875,690 98 



$133,417,195 00 $1,428,399 67 
10,379,973 00 112,316 76 



$123,037,222 00 $1,316,082 91 



126 



THE ALLIANCE INSURANCE CO. OF PHILADELPHIA. 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (15 per cent.), . 

Par value of company's stock owned by directors, 



$11,563,222 91 

. 5,462,697 38 

528,600 00 

50,000 00 

352,932 52 

30,000 00 

36,950 00 



Schedule A. Securities held as Collateral. 



Policy State Mutual Life Assurance Co. 

153 shares Pittsburgh Plate Glass Co., 

18 " Colonial Trust Company, . 



Bank Stocks. 
92 shares Bess. Trust Co., Braddock, Pa., 
148 " Braddock National. . 

Miscellaneous Stocks. 
1 share West. Adj. & Inspec. Co., Chicago, 
Municipal Bonds. 
Fairmont, W. Va., Palatine School, 4£s, 1915, 
Glassport, Pa., School 5s, 1937, 
New Brighton, Pa., School 5s, 1913-15, 
New Brighton, Pa., School 5s, 1917, . 
New Brighton. Pa., School 5s, 1919-21, 
New Brighton, Pa., School 5s, 1923, . 
New Brighton, Pa., School 5s, 1925, . 

Railroad Bonds. 
Ft. Wayne & Wabash Valley Trac. Co. 5s, 1934, . 
Indiana, Col. & Eastern Trac. Co. 5s, 1926, 
Pittsburg & Butler Street 5s, 1935, . 
Youngstown & Sharon Ry. & Lt. Co. 5s, 1931, 

Miscellaneous Bonds. 
Greenville, Pa., Water Co. 5s, 1932, 
Keystone C. & Coke Co., Greensburg, Pa., 6s, 1922, 
Monongahela Riv. Con. Coal & Coke Co. 6s, 1949, 
Mt. Pleasant Coke Co., Greensburg, Pa., 6s, 1914, 
Pittsburg-Buffalo Co. 5s, 1929, .... 





Company's 
Market Value. 


Loaned 
Thereon. 




$5,900 00 
18,200 00 1 
3,330 00 / 


$3,000 00 
15,000 00 




$27,430 00 


$18,000 00 


OWNED BY THE 


Company. 


Book Value. 


Rate. 


Market Value. 


$9,200 

8,288 


00 
00 


120 
375 


$11,040 00 
55,500 00 


200 


00 


100 


100 00 


19,097 
50,000 
5,000 
2,000 
5,000 
3,000 
1,000 


50 
00 
00 
00 
00 
00 
00 


100 
100 
102 
103 
104 
105 
106 


19,000 00 
50,000 00 
5,100 00 
2,060 00 
5,200 00 
3,150 00 
1,060 00 


19,000 

9,650 

10,000 

20,000 


00 
00 
00 
00 


81 

91 

100 

99 


16,200 00 

9,100 00 

10,000 00 

19,800 00 


30,000 
29,850 
11,000 
10,000 
9,975 


00 
00 
00 
00 
00 


95 
100 
115 

100 


28,500 00 
30,000 00 
11,500 00 
10,000 00 
10,000 00 


$252,260 


50 


$297,310 00 



THE ALLIANCE INSURANCE COMPANY OF PHILADELPHIA, 

PHILADELPHIA, PA. 

Incorporated Dec. 5, 1904. Commenced business Jan. 1, 1905. 

Paid-up Capital, $500,000. 

EUGENE L. ELLISON, President. HENRY W. FARNUM, Secretary 

Home Office, 232 Walnut Street. 

Income. 

Net fire premiums, $606,034.79; marine, $260,986.04, 
Deposit premiums on perpetual risks, .... 
Gross interest on bonds, $53,145.28; bank deposits, $1,764.37, 



$867,020 83 

1,778 00 

54,909 65 



THE ALLIANCE INSUKANCE CO. OF PHILADELPHIA. 



127 





Gross profit on sale or maturity of bonds, 


$2,825 00 


From all other sources, ....... 

Total income, ....... 


50 00 


. $926,583 48 


Ledger assets, Dec. 31, 1908, ...... 


. 1,499,103 71 


Total, . 


. $2,425,687 19 


Disbursements. 




Net amount paid policy holders for fire losses, $294,544 


.16; 


marine, $137,224.34, 


. $431,768 50 


Expenses of adjustment and settlement of losses, 


3,335 16 


Deposit premiums returned, . . . ... 


187 50 


Dividends to stockholders, ...... 


30,000 00 


Commissions or brokerage, ...... 


204,651 20 


Agency expenses, ........ 


7,367 34 


Salaries and expenses of special and general agents, . 


7,989 23 


Salaries, fees, etc., of officers and employees, 


17,147 91 


Rents, .......... 


3,239 21 


Advertising, printing and stationery, .... 


6,021 30 


Postage, telegrams, telephone and express, 


3,333 86 


Legal expenses, ........ 


652 40 


Maps, including corrections, ...... 


1,225 18 


Underwriters' boards and tariff associations, 


5,871 63 


Fire department, patrol and salvage corps fees and taxes, . 


1,287 77 


Inspections and surveys, ...... 


637 10 


State taxes on premiums, ...... 


10,320 73 


Insurance department licenses and fees, .... 


3,626 70 


Other licenses, fees and taxes, ..... 


1,995 00 


Interest to scrip holders,* ...... 


11,660 81 


All other disbursements, ...... 


2,384 71 


Total disbursements, ...... 


. $754,703 24 


Balance, ........ 


. $1,670,983 95 


Ledger Assets. 




Book value of bonds (schedule A), . 


. $1,424,290 00 


Cash in office, ........ 


237 84 


Deposits in trust companies and banks on interest, . 


112,338 84 


Agents' balances, ........ 


133,221 11 


Bills receivable, ........ 


896 16 




Total ledger assets, ...... 


. $1,670,983 95 




Non-Ledger Assets. 




] 


.nterest accrued on bonds, ...... 

Gross assets, ........ 


9,272 90 




. $1,680,256 85 



* During 1906 the Insurance Commissioner of Pennsylvania required the company to make an assess- 
ment of $10.86 per share to make good an impairment caused by the San Francisco fire. In addition 
to this assessment, stockholders holding 46,944 shares voluntarily advanced $4.14 per share to the surplus, 
receiving therefor scrip certificates bearing 6 per cent, interest and redeemable out of the net earnings 
of the company. 



128 



THE ALLIANCE INSURANCE CO. OF PHILADELPHIA. 



Assets not admitted. 
Agents' balances over three months due, . $1,623 20 

Book value of bonds over market value, . . 45,420 00 



Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $9,100 resisted, $115,587; less rein- 
surance, $9,682, ...... 

Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for reinsurance, ...... 



Total, 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, .... 

Total liabilities and surplus, 

Risks and Premiums. 



$500,000 00 
466,324 63 



$47,043 20 
$1,633,213 65 



$105,905 00 

530,121 58 

9,948 69 

12,750 00 

6,000 00 

2,163 75 

$666,889 02 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Net amount in force, 
Perpetual risks in force (not included above), 



Marine risks in force Dec. 31, 1908, 
Marine risks written during the year, 

Total, 

Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$68,279,905 00 
65,548,734 00 

$133,828,639 00 
57,122,622 00 

$76,706,017 00 
6,983,673 00 

$69,722,344 00 

$349,900 00 

$4,469,995 00 
38,105,329 00 

$42,575,324 00 
35,702,201 00 

$6,873,123 00 
1,340,601 00 



966,324 63 
$1,633,213 65 

Premiums. 

$877,973 91 
819,887 25 

$1,697,861 16 
748,206 19 

$949,654 97 
91,801 67 

$857,853 30 

$11,054 10 

$149,171 71 
349,544 78 

$498,716 49 
270,702 12 

$228,014 37 
39,581 97 



$5,532,522 00 $188,432 40 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, . 

Dividends declared during the year (6 per cent.), 

Par value of company's stock owned by directors, 



$3,444,013 34 

2,575,472 18 

50,000 00 

306,726 16 

156,659 34 

30,000 00 

30,580 00 



AMERICAN INSURANCE CO. 



129 



Schedule A. Bonds owned by the Company. 



County and Municipal Bonds. 
Atlanta, Ga., 3-|s, 1931, . . . 

Luzerne County, Pa., 4-yS, 1919, 
Luzerne County, Pa., 4^s, 1920, 
New York, N. Y., 3*s, 1954, . 
New York, N. Y., 4s, 1959, 
Philadelphia, Pa., 3£s, 1932-34, 

Railroad Bonds. 
Baltimore & Ohio prior lien 3^s, 1925, 
Central Pacific 1st refunding 4s, 1949, 
Central Pacific (Through Short Line) 4s, 1954, 
Chesapeake & Ohio equipment 4s, 1913-14, 
Chicago, Burlington & Quincy 4s, 1958, 
Chicago & Eastern Illinois 4s, 1955, . 
Cleve., Cin., Chicago & St. L. notes, 5s, 1911, 
Coal River 4s, 1945, .... 

Consolidated Traction, N. J., 5s, 1933, 
Erie (Buffalo & Southwestern) 5s, 1918, 
Erie equipment 4s, 1914, .... 
Jefferson 1st ext. 5s, 1919, 
Lake Shore & Michigan Southern 4s, 1928, 
Long Island Ferry 1st 4£s, 1922, 
Mobile & Ohio equipment 5s, 1912, 
New York Central & Hudson River 4s, 1934, 
New York Central & Hudson River 5s, 1910, 
Norfolk & Western 4s, 1944, 
Nor. & W. Ry. & Poca. C. & C. Co. 4s, 1941, 
Pennsylvania & Northwestern 5s, 1930, 
Pennsylvania 5s, 1910, 
Pennsylvania convertible 3^-s, 1915, . 
Public Service Corporation of N. J. 5s, 1959, 
Reading Co. (Jersey Central col.) 4s, 1951, 
Richmond-Washington 4s, 1943, 
Rio Grande Western 4s, 1949, . 
Southern Pacific 1st refunding 4s, 1955, 
Terminal Association of St. Louis 4s, 1953, 
Washington Terminal 3^s, 1945, 

Miscellaneous Bonds. 
Lehigh & Wilkes Barre Coal Co. 5s, 1912, . 
Manufacturers' Water Co. 5s, 1939, . 
United States Steel Corporation 5s, 1963, . 



Book Value. 


Rate. 


Market Value. 


$10,000 


00 


93 


$9,300 00 


10,460 


00 


104 


10,400 00 


10,490 


00 


105 


10,500 00 


205,250 


00 


90 


180,000 00 


50,570 


00 


100 


50,000 00 


205,550 


75 


95 


190,000 00 


9,200 


00 


93 


9,300 00 


33,425 


00 


97 


33,950 00 


47,125 


00 


92 


46,000 00 


48,857 


00 


98 


49,000 00 


19,325 


00 


100 


20,000 00 


19,100 


00 


86 


17,200 00 


24,292 


75 


101 


25,250 00 


14,475 


00 


87 


13,050 00 


27,197 


50 


106 


26,500 00 


14,812 


50 


103 


15,450 00 


23,210 


00 


97 


24,250 00 


12,030 


00 


106 


12,720 00 


50,062 


50 


96 


48,000 00 


15,225 


00 


100 


15,000 00 


14.517 


00 


100 


15,000 00 


50,062 


50 


96 


48,000 00 


19,950 


00 


100 


20,000 00 


45,800 


00 


93 


46,500 00 


23,906 


25 


89 


22,250 00 


25,156 


25 


109 


27,250 00 


39,650 


00 


100 


40,000 00 


8,900 


00 


97 


9,700 00 


48,000 


00 


96 


48,000 00 


49,578 


75 


97 


48,500 00 


10,350 


00 


100 


10,000 00 


22,968 


75 


84 


21,000 00 


14,175 


00 


95 


14,250 00 


49,625 


00 


98 


49,000 00 


47,837 


50 


92 


50,600 00 


14,385 


00 


100 


14,000 00 


10,162 


50 


102 


10,200 00 


78,607 


50 


105 


78,750 00 


$1,424,290 


00 


$1,378,870 00 



AMERICAN INSURANCE COMPANY, NEWARK, N. J. 

Incorporated Feb. 20, 1846. Commenced business April 1, 1846. 

Paid-up Capital, $1,000,000. 

PHILEMON L. HOADLEY, President. C. WESTON BAILEY, Secretary. 

Home 0ffice?70 Park Place. 

Income. 

Net fire premiums, $3,443,880 25 

Gross interest on mortgages, $71,460.25; stocks and bonds, 

$224,928.68; bank deposits, $2,886,58; all other, $1,291.83; 

gross rents, including $14,151.46 for company's own occu 

pancy, $22,286.92, 

Gross profit on sale of bonds, 

Sale of rights, ...... 

Agents' balances previously charged off, . 

Total income, ..... 

Ledger assets, Dec. 31, 1908, plus $250,000 increase in capital, 

Total, 



322,854 26 

500 00 

3,845 62 

447 34 

$3,771,527 47 
7,967,445 19 



$11,738,972 66 



130 



AMERICAN INSURANCE CO. 



Disbursements. 
Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, .... 

Dividends to policy holders, .... 

Commissions or brokerage, .... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross loss on sale of real estate, 

Gross decrease in book value of stocks and bonds, 

Examination by Now Jersey department, 

Collecting premium notes, .... 

Agents' balances charged off, .... 

All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Book value of real estate, ..... 

Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Bills receivable, ....... 

Total ledger assets, ....... 

Non-Ledger Assets. 

Interest due and accrued on: — 
Mortgages, $19,597.06; bonds, $55,313.45; dividends on stocks, 

$1,100, 

Rents due on company's property, ...... 

Gross assets,* ........ 



$1,672,100 

47,301 

149,870 

51 

840,038 

93,797 

138,878 

14,151 

28,046 

25,931 

548 

1,736 

6,253 

31,188 

29,146 

5,670 

1,304 

6,720 

51,910 

16,614 

9,181 

2,896 

25,313 

915 

4,274 

1,688 

17,383 



58 
23 
76 
00 
66 
82 
07 
46 
67 
91 
30 
70 
33 
80 
40 
61 
89 
16 
50 
41 
64 
84 
29 
58 
58 
69 
35 



$3,222,916 23 
$8,516,056 43 

$469,400 00 

1,550,060 75 

5,415,615 69 

808 17 

25,000 00 

338,715 43 

477,266 31 

239,190 08 

$8,516,056 43 



76,010 51 
61 18 

$8,592,128 12 



* Including S300,000 special reserve held under New Jersey laws. The company holds also instalment 
premium notes to the amount of 8233,065.02, which do not enter into or form any part of the assets of the 
company, as no portion of them is earned. Whatever value is attached to them would necessarily be 
counterbalanced by the addition of an amount exactly equal to the reinsurance liability, the entire sum 
consisting of "unearned premiums." 



AMERICAN INSURANCE CO. 



131 



81,013 23 

31,697 52 

8,830 69 

1,100 00 



Assets not admitted. 

Agents' balances over three months due, 
Bills receivable, past due, taken for premiums, . 
Book value of stocks and bonds over market value, 
Dividends on stocks, . . . . 

Admitted assets, - . 

Liabilities. 
Unpaid losses, including $15,653.97 resisted, $286,761.06; 

reinsurance, $28,810.84, . . . 

Unearned premiums on outstanding risks, 
Dividends due stockholders, $50,991.79; policy holders, $58, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for reinsurance, ....... 

Special reserve fund, 



$42,641 44 
5,549,486 68 



less 



Total, . 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 



$257,950 22 

4,381,833 81 

51,049 79 

500 00 

145,747 36 

35,000 00 

8,190 30 

300,000 00 

. $5,180,271 48 



$1,000,000 00 
2,369,215 20 



Total liabilities and surplus, 

Risks and Premiums. 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Net amount in force, 



Risks. 

$782,798,524 00 



3,369,215 20 

58,549,486 68 



Premiums. 

;,638,418 88 



439,316,060 00 4,589,404 72 



$1,222,114,584 00 $13,227,823 60 
. 383,763,051 00 4,235,641 68 



$838,351,533 00 $8,992,181 92 
56,841,761 00 518,099 18 



$781,509,772 00 $8,474,082 74 



Miscellaneous. 



Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year, 

Par value of company's stock owned by directors, 



Schedule A. Stocks and Bonds 

Railroad Stocks. 
200 shares Atch., Top. & Santa Fe, preferred, 
500 " Chic, Mil. & St. Paul, preferred, 
200 " Great Northern, preferred, 
200 " Illinois Central, 
100 " Louisville & Nashville, . 
5,000 " Morris & Essex, . 
100 " New York, New Haven & Hartford, 
200 " Northern Pacific, . . . . 



OWNED BY THE 
Book Value. 
$21,025 00 
87,687 50 
29,762 50 
30,325 00 
14,987 50 
461,334 64 
15,796 88 
30,250 00 



$34,921,020 49 

16,447,847 07 

3,288,058 26 

600,000 00 

1,684,650 00 

162,500 00 

115,900 00 



Company. 

Rate. Market Value. 

105 821,000 00 

172 86,000 00 

144 28,800 00 

148 29,600 00 

158 15,800 00 

185 462,500 00 

158 15,800 00 

146 29,200 00 



132 



AMERICAN CENTRAL INSURANCE CO. 



450 shares Pennsylvania, .... 

200 " Pitts., Cin., Ch. & St. Louis, pref., . 
2,000 " United N. J. R.R. & Canal, . 
Miscellaneous Stocks. 
200 shares American Tel. & Tel. Co., 

8 " General Adj. Bureau of New York, . 
5 " Underwriters' Sal. Co. of Chicago, 
5 " Underwriters' Sal. Co. of New York, 
1 " Western Adj. & Insp. Co. of Chicago, 

Government Bonds. 
District of Columbia 3.65s, 1924, 

United States 2s, 1930, 

County and Municipal Bonds. 
Bayonne, N. J., 5s, 1928, . 
Essex County, N. J., 4s, 1947, . 
Essex County, N. J., 4s, 1949, . 
Madison, N. J., 4£s, 1916, 
Newark, N. J., School 4s, 1957, 
Newark, N. J., 4s, 1910, 

h'nilroad Bonds. 
American Dock & Improvement Co. 5s, 1921, 
Central of New Jersey 5s, 1987, 
Consolidated Traction Co. 5s, 1933, 
Easton & Ambov 5s, 1920, 
Lehigh Valley 1st 5s, 1941, 
Long Dock 6s, 1935, 
Midland, N. J., 1st 6s, 1910, 
Morris & Essex 1st 7s, 1914, 
Morris & Essex 1st 7s, 1915, 
Newark Passenger 1st 5s, 1930, 
New York & Greenwood Lake 5s, 1946, 
N. Y., Lake E. & West. 1). A I. Co. 1st 6s, 1913, 
N. Y., Susquehanna & Western 1st 5s, 1943, 
North Hudson County 5s, 1928, 
Trenton Passenger 1st 6s, 1923, 
Trenton Passenger 1st 6s, 1925, 
Trenton Passenger 1st 6s, 1926-27, . 
Trenton Passenger 1st 6s, 1928, 
Trenton Passenger 1st 6s, 1931, 
United N<w Jersey R.R. & Canal 4s, 1929, 
United New Jersey R.R. & Canal 4s, 1944, 
West Jersey & Seashore 1st 3£s, 1936, 
West Jersey <fc Seashore 1st 4s, 1936, 

Miscella neous Bonds. 
Newark Gas Co. 1st 6s, 1944, . 



Book Value. 
$30,675 00 

22,975 00 
520,927 50 

28,600 00 
400 00 
500 00 
500 00 
100 00 

33,953 55 
30,006 25 

137,556 25 
100,237 52 
102,962 50 
11,000 00 
101,900 00 
100,000 00 

369,050 78 
302,493 41 
131,777 25 
231,817 34 
247,069 12 
444,662 27 
114,975 22 

44,501 43 

244,923 60 

139,831 15 

140,084 32 

208,239 76 

164,435 73 

130,823 60 

2,319 00 

3,525 90 

8,332 57 

6,006 43 

30,397 83 

51,794 91 
104,943 00 

14,641 50 
100,000 00 

265,506 98 
85,415,615 69 



Rate. 
137 
115 
250 

143 
100 
75 
125 
100 

107 
102 

111 

102 
103 
103 
104 
100 

109 
125 
106 
109 
115 
126 
101 
112 
114 
109 
107 
104 
112 
105 
111 
112 
113 
114 
115 
103 
104 
94 
101 

131 



Market Value. 

$30,825 00 

23,000 00 

500,000 00 

28,600 00 
400 00 
375 00 
625 00 
100 00 

32,100 00 
30,600 00 

138,750 00 
102,000 00 
103.000 00 
11,330 00 
104,000 00 
100,000 00 



370,600 
296.250 
129,320 
234,350 
258,750 
4 4 s, 560 
115,140 

44,800 

250,800 

136,250 

140,170 

203,840 

161,280 

131,250 

2,220 

3.360 

7,910 

5,700 

28,750 

51,500 
104,000 

14,100 
101,000 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



272,480 00 

$5,406,785 00 



AMERICAN CENTRAL INSURANCE COMPANY, ST. LOUIS, MO. 

Incorporated February, 1853. Commenced business February, 1853. 

Paid-up Capital, §2,000,000. 

EDWARD T. CAMPBELL, President. JOHN H. ADAMS, Secretary. 

Home Office, 816 Olive Street. 

Income. 

Net fire premiums, $2,506,731 45 

Gross interest on mortgages, $2,100; collaterals, $36,816.87; 

stocks and bonds, $202,989.95; all other, $2,469.76, . . 244,376 58 



Gross profit on sale or maturity of bonds, 
Gross increase in book value of stocks, 
From all other sources, . 

Total income, 
Ledger assets, Dec. 31, 1908, . 

Total, 



15,525 02 
73,130 86 
30 00 

. $2,839,793 91 
. 4,911,065 41 

. $7,750,859 32 



AMERICAN CENTRAL INSURANCE CO. 



133 



Disbursements. 

Net amount paid policy holders for fire losses, . 

Expenses of adjustment and settlement of losses, 

Dividends to stockholders, 

Commissions or brokerage, 

Agency expenses, ..... 

Salaries and expenses of special and general agents, 

Salaries, fees, etc., of officers and employees, 

Rents. 

Advertising, printing and stationer}', 

Postage, telegrams, telephone and express, 

Legal expenses, ..... 

Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and survey's, 

State taxes on premiums, 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Gross loss on sale of bonds, 

All other disbursements, 

Total disbursements, 

Balance, ..... 

Ledger Assets. 
Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B) , 
Cash in office, ..... 
Deposits in trust companies and banks not on interest, 
Agents' balances, ..... 
Bills receivable, ..... 

Total ledger assets, ....... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $393.80; bonds, $23,372.80; collateral loans, $875, 
Market value of stocks and bonds over book value, . 

Gross assets, ......... 

Assets not admitted. 

Agents' balances over three months due, . $15,357 43 

Special deposits less $7,137.23 liability thereon, 2,862 77 



$1,204,573 39 

15,312 77 

240,000 00 

463,313 35 

74,039 86 

134,474 00 

89,185 44 

12,312 49 

28,559 20 

25,997 26 

3,174 07 

1,612 70 

9,225 89 

21,971 19 

4,778 00 

17,859 11 

41,596 91 

30,712 08 

10,084 83 

306 25 

15 17 

$2,429,103 96 

$5,321,755 36 



$29,900 00 

440,000 00 

4,234,004 12 

6,044 96 

175,770 27 

435,953 58 

82 43 

55,321,755 36 



24,641 60 
156,555 13 

$5,502,952 09 



Admitted assets, ....... 

Liabilities. 

Unpaid losses, including $17,199.21 resisted, $297,750.19; less 

reinsurance, $86,297.60, 

Unearned premiums on outstanding risks, .... 

Dividends due stockholders, ....... 



18,220 20 
$5,484,731 89 



$211,452 59 

2,244,646 04 

770 98 



134 



AMERICAN CENTRAL INSURANCE CO. 



Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 



Total, 

Cash capital, ..... 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities and surplus, 

Risks and Premiums. 



$2,000,000 00 
1,000,153 68 



$2,708 60 
25,000 00 

$2,484,578 21 

3,000,153 68 
$5,484,731 89 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, . . 



Risks. 

$405,289,289 00 
296,889,657 00 

$702,178,946 00 
260,316,126 00 



Premiums. 

$4,743,476 98 
3,678,770 49 

$8,422,247 47 
3,310,938 27 



$441,862,820 00 $5,111,309 20 
61,820,339 00 801,838 46 



Net amount in force, 



$380,042,481 00 $4,309,470 74 



Miscellaneous. 



Net premiums received from organization of company, . $40,161,156 

Net losses paid from organization of company, . . 21,589,572 

Cash dividends declared from organization of company, . . 2,857,931 

Fire losses incurred during the year, ..... 1,274,192 

Dividends declared during the year (12 per cent.), . . . 240,000 

Par value of company's stock owned by directors, . . . 464,800 

Schedule A. Securities held as Collateral. 

Company's 
Market Value. 



64 
02 
00 
61 
00 
00 



Loaned 
Thereon. 



996 shares Broadway Real Estate Co., St. Louis, 



700 
350 
500 
400 
1,200 
100 
100 



Wagner Electric Mfg. Co., St. Louis, 
National Bank of Commerce, St. Louis, 
Westinghouse Air Brake Co., Pittsburgh, 
Chicago Ry. Equipment Co., . 
North American Co., N. J., 
Third National Bank, St. Louis, 
Merchants-Laclede National Bank, St. Louis, 



$149,400 00 
73,500 00 
78,400 00 
72,500 00 
34,000 00 
103,200 00 
32,300 00 
30,700 00 



$325,000 00 

100,000 00 
15,000 00 



$574,000 00 $440,000 00 



Schedule B. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
S32i shares Pennsylvania, 
300 " United Rys., preferred, St. Louis, 

Bank Stocks. 
100 shares Boatmen's Bank, St. Louis, 
68 " Mechanics-Amer. Nat., St. Louis, 
3,660 " Nat. Bank of Commerce, St. Louis, 
200 " St. Louis Union Trust Co., 
250 " Third National, St. Louis, 

Miscellaneous Stocks. 
2 shares General Adjust. Bureau, New York, 
500 " Harg.-McK. Drv Goods Co., St. L., 
57 " Laclede Gas Light Co., pref., St. L., 
5 " St. Louis Coliseum Co., . 
2 " Southern Adjustment Bureau, 
5 " Underwriters' Sal. Co., Chicago, 
200 " Union Sand & Material Co., St. L., 
1 " West. Adj. & Inspec. Co., Chicago, 



Book Value. 

$54,543 75 

24,275 00 

11,800 00 
21,109 81 
709,395 11 
75,675 00 
76,250 00 

100 00 

60.000 00 

3,282 00 

500 00 

100 00 

500 00 

23,800 00 

125 00 



Rate. 

137 

70 

229 
297 
224 
403 
323 

100 

90 

96 

100 

100 

75 

120 

100 



Market Value. 

$57,026 25 

21,000 00 

22,900 00 
20,196 00 
819,840 00 
80,600 00 
80,750 00 

100 00 

45,000 00 

5,472 00 

500 00 

100 00 

375 00 

24,000 00 

100 00 



AMERICAN CENTRAL INSURANCE CO. 



135 



State, County and Municipal Bonds 
Dona Ana County,' N. M., 6s, 1925, 
Fort Worth, Tex., 4s, 1941, 
Georgia 4^s, 1915, . 
Newberrv, S. C, 4£s, 1949, 
New York, N. Y., 4s, 1956, 
Peirce Citv, Mo., 5s, 1917, 
Portland, Ore., 4s, 1928, . 
Richmond, Va., 4s, 1940, . 
Winnipeg, Manitoba, 4s, 1928, 

Railroad Bonds 
Atchison, Topeka & Santa Fe adjustment 4s, 1995 
B. & O., Pitts., Lake Erie & W. Va. 4s, 1941, 
Boston & Maine 4£s, 1929, 
Canadian Nor. Equip. 1st 4£s, 1917, . 
Central of Georgia, consol. 5s, 1945, . 
Central Pacific 1st refunding 4s, 1949, 
Chesapeake & Ohio 4£s, 1992, . 
Chesapeake & Ohio 5s, 1929, 
Chicago, Burlington & Quincy 4s, 1921, 
Chicago City 1st 5s, 1927, 
Chicago, Milwaukee & St. Paul 4s, 1934, . 
Chicago, Rock Island & Pacific 4s, 1934, 
Cleve., Cin., Chicago & St. Louis notes, 5s, 1911, 
Columbia & St. Louis 1st 4s, 1942, . 
East St. L. & Sub. Co., N. J., col. tr. 5s, 1932, 
Florida East Coast notes, 6s, 1910, 
Fort Worth & Denver City 1st 6s, 1921, . 
Fort Worth & Rio Grande, 1st 4s, 1928, 
Houston Belt & Terminal 1st 5s, 1937, 
Illinois Central, 1st & refunding 4s, 1955, . 
Illinois Cent., St. Louis, Div. & Ter. 3s, 1951, 
Kanawha & Michigan 2nd 5s, 1927, . 
Kansas City, Ft. Scott & Memphis 4s, 1936, 
Kansas City Ry. & Lt. Co. 1st lien 5s, 1913, 
Kansas City Southern 1st 3s, 1950, 
Lake Shore & Michigan Southern 4s, 1928, 
Lake Shore & Michigan Southern 4s, 1931, 
Little Rock & Hot Springs West. 1st 4s, 1939, 
Missouri, Kansas & Texas 1st & refunding 4s, 2004 
Missouri Pacific 4s, 1945, . 
N. Y. Cent. Lines equipment 5s, 1914, 
N. Y Cent. Lines equipment 5s, 1915, 
Norfolk & Western Div. 1st lien 4s, 1944, 
Norfolk & Western convertible 4s, 1932, 
Nor. Pac.-Gt. Nor. joint (O, B. & Q. col.) 4s, 1921 
Rock Island-Frisco Term. 1st 5s, 1927, 
St. Clair, Madison & St. Louis Belt 4s, 1951, 
St. L., Iron Mt. & So. ref. and unifying 4s, 1929, 
St. L., Iron Mt. & So. gen. consol. 5s, 1931, 
St. L., Iron Mt. & So. Riv. & G. 4s, 1933, . 
St. Louis Merchants' Bridge Co. 6s, 1929, . 
St. Louis & San Francisco 4s, 1951, . 
St. Louis & San Francisco gen. lien 5s, 1927, 
St. Louis & San Francisco equipment 5s, 1915, 
St. Louis Southwestern 1st consol. 4s, 1932, 
St. Louis & Suburban 5s, i923, 
Southern notes, 5s, 1910, . 
Southern Pacific 1st refunding 4s, 1955, 
Tennessee Central 5s, 1954, 
Tidewater Co. 1st lien 6s, 1913, 
Union Depot 1st 6s, 1918, 
Union Pacific convertible 4s, 1927, 
United Rys. Co. 1st 4s, 1934, . 

Miscellaneous Bonds. 
Commonwealth-Edison Co., Chicago, 1st 5s, 1943, 
Cum. C. & C. Co., Jersey C, N. J., prior lien 6s, 1913, 
Frisco Annex Realty Co. 5s, 1928, 
Kinloch Long Dis. Telephone Co. 5s, 1929, 
Laclede Gas Light Co. 5s, 1919, 
Lincoln R. E. & Building Co. 6s, 1923, 
Missouri Elec. Light & Power Co. 6s, 1921, 
Pacific Telephone & Tel. Co. 5s, 1937, 



Book Value. 


Rate. 


Market Value. 


$10,000 00 


100 


$10,000 00 


8,775 00 


97 


8,730 00 


11,725 00 


105 


10,500 00 


10,375 00 


100 


10,000 00 


200,500 00 


100 


200,000 00 


14,000 00 


103 


14,420 00 


53,000 00 


100 


50,000 00 


50,625 00 


101 


50.500 00 


9,875 00 


100 


10,000 00 


45,937 50 


94 


47,000 00 


47,750 00 


93 


46,500 00 


52,375 00 


105 


52,500 00 


22,532 50 


97 


24,250 00 


55,687 50 


109 


54,500 00 


24,250 00 


97 


24,250 00 


53,343 75 


103 


51,500 00 


50,468 75 


105 


52,500 00 


12,870 00 


100 


13,000 00 


47,810 00 


104 


52,000 00 


47,625 00 


94 


47,000 00 


22,625 00 


91 


22,750 00 


24,562 50 


101 


25,250 00 


28,000 00 


92 


29,440 00 


47,250 00 


100 


50,000 00 


9,900 00 


101 


10,100 00 


57,556 25 


113 


56,500 00 


23,025 00 


86 


21,500 00 


24,875 00 


100 


25,000 00 


24,937 50 


99 


24,750 00 


S.800 00 


79 


7,900 00 


24,000 00 


96 


24,000 00 


86,625 00 


83 


83,000 00 


24,250 00 


96 


24,000 00 


17,875 00 


73 


18,250 00 


23,812 50 ' 


96 


24,000 00 


22,156 25 


95 


23,750 00 


23,718 75 


88 


22,000 00 


62,000 00 


85 


63,750 00 


47,640 62 


82 


41,000 00 


49,000 00 


103 


51.500 00 


24,500 00 


104 


26,000 00 


21,781 25 


93 


23,250 00 


25,125 00 


102 


25,500 00 


48,437 50 


97 


48,500 00 


55.550 00 


100 


55,000 00 


30,430 00 


86 


32,680 00 


47,812 50 


86 


43,000 00 


26,875 00 


110 


27,500 00 


43,500 00 


88 


44,000 00 


85,950 00 


110 


93,500 00 


62,037 65 


85 


56,950 00 


53,295 00 


89 


53,400 00 


25,125 00 


101 


25,250 00 


39,905 92 


80 


40,000 00 


49,250 00 


90 


45,000 00 


24,312 50 


100 


25,000 00 


23,843 75 


95 


23,750 00 


123,093 87 


70 


163,100 00 


49,250 00 


102 


51,000 00 


109,937 50 


111 


111,000 00 


22,437 50 


117 


29,250 00 


48,261 25 


82 


45,100 00 


25,875 00 


103 


25,750 00 


18,000 00 


50 


10,000 00 


55,000 00 


100 


55,000 00 


47,285 00 


90 


44,100 00 


70,137 45 


103 


77,250 00 


79,146 69 


105 


78,750 00 


98,640 00 


111 


97,6S0 00 


47,968 75 


100 


50,000 00 



136 



THE AMERICAN DRUGGISTS' FIRE INSURANCE CO. 



People's Gas Light & Coke Co., Chicago, 5s, 1947, 
Pontiac Building Co. 5s, .1922, . . . 
Simmons Warehouse Co. 5s, 1915, , . . . 

Wright Building Co., St. Louis,- 5s, 1931-, 

A 



Book Value. 
$25,875 00 
48,000 00 
40,275 00 
93,500 00 

$4,234,004 12 



Rate. 
103 

92 
100 

97 



Market Value. 

$25,750 00 

46,000 00 

40,000 00 

97,000 00 

$4,390,559 25 



THE AMERICAN DRUGGISTS' FIRE INSURANCE COMPANY, 

CINCINNATI, 0. 

Incorporated February, 1906. Commenced business January 15, 1907. 

Cash Capital, 3200,000. 

CHARLES H. AVERY, President. FRANK H. FREERICKS, Secretary. 

Home Office, Mercantile Library Building. 

Income. 

Net fire premiums, $46,757 04 

Gross interest on bonds, $7,748.40; bank deposits, $112.79; gross 

rents, $180, . . . . ... . . 8,041 19 

Gross increase in book value of bonds, ..... 46 40 

Premium on increase in capital, ...... 25,000 00 

From all other sources, ........ 20 91 



Total income, ....... 

Ledger assets, Dec. 31, 1908, plus $50,000 increase in capital, 



Total, 

Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, ..... 

Salaries and expenses of special and general agents, . 
Salaries, fees, etc., of officers and employees, . 
Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Fire department, patrol and salvage corps fees and taxes, 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Gross decrease in book value of bonds, 
Expenses on account of increase in capital stock, 
All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 

Book value of bonds (schedule A), . 

Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, ..... 



$79,865 54 
229,305 65 



$309,171 19 


$11,873 31 
321 81 


4,779 72 
412 59 


7,338 72 


480 00 


2,543 06 
862 10 


91 91 


721 72 


1,314 35 
158 12 


732 05 


3,327 75 


670 36 


$35,627 57 


$273,543 62 


$252,825 38 
655 22 


3,108 37 

10,500 00 

6,454 65 


$273,543 62 



THE AMERICAN DRUGGISTS' FIRE INSURANCE CO. 



137 



. Non-Led.ger Assets. 
Interest accrued on: — . 

Bonds, $3,953.30; other assets, $104.28, '. .' . 

Gross assets, . ..,.'.:. . 

Assets not admitted. 

Agents' balances over three months due, 
Book value of bonds over market value, . 



$100 00 
1,138 27 



Admitted assets, ...... 

Liabilities. 
Unpaid losses, ....... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 



Total, . 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, .... 

Total liabilities and surplus, 

Risks and Premiums. 

Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, . 



$200,000 00 
49,237 48 



Total, . 
Expired and terminated, 

In force at end of year, . 



Bisks. 

$2,864,724 00 
4,086,912 00 

$6,951,636 00 
2,881,434 00 



$4,057 58 
$277,601 20 



1,238 27 
$276,362 93 



$1,019 76 

24,125 18 

424 99 

790 16 

765 36 

$27,125 45 



249,237 48 
$276,362 93 



Premiums. 

$35,747 04 
47,720 30 

$83,467 34 
35,545 85 



$4,070,202 00 $47,921 49 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Fire losses incurred during the year, . . . . . 

Par value of company's stock owned by directors, 

Schedule A. Bonds owned by the Company. 



Government Bonds. 
United States 3s, 1918, . 

County and Municipal Bonds 
Cambridge, O., 4-|s, 1911, 
Cambridge, O., 4-Js, 1918-19, 
Chardon, O , 4-|s, 1925-28, 
Chardon, O., 4is, 1929-31, 
Cleveland, O., 4s, 1918, 
Cleveland, O., 5s, 1922, 
Cleveland, O., 4|s, 1930, 
Columbus, O., 3|s, 1921, 
Columbus, O., 4s, 1916, . 
Conneaut, O., 4is, 1914-15, 
Conneaut, O., 4-J-s, 1916-17, 
Conneaut, O., 4is, 1918, . 



Book Value. 

$10,188 84 

1,009 00 
11,287 55 



26 ( 



6,346 

1,000 00 
11,092 75 
10,319 24 
29,656 25 

2,000 00 

20,452 36 



r 



Bate. 
102 

101 
104 
106 
107 
101 
111 
105 
97 
101 
102 
103 
104 



$105,297 88 
27,636 32 
12,893 07 
17,900 00 



Market Value. 
$10,200 00 



00 
13 
00 
00 
00 
00 



1,010 

11,253 
3,710 
2,675 
1,010 

11,100 

10,500 00 

29,100 00 
2,020 00 
8,160 00 
8,240 00 
4,160 00 



138 



UNDERWRITERS AT AMERICAN LLOYDS. 



Cuyahoga County, O., 4£s, 1913, 
Cuyahoga County, O., 4-£s, 1914, 
Cuyahoga County, O., 4£s, 1918, 
Cuyahoga Falls, O., 5s, 1911, 
Cuyahoga Falls, O., 5s, 1912, 
Cuyahoga Falls, O., 5s, 1915, 
Cuyahoga Falls, O., 5s, 1916, 
Cuyahoga Falls, O., 5s, 1917-18, 
Cuyahoga Falls, O., 5s, 1919-20, 
Cuyahoga Falls, O., 5s, 1921-22, 
Cuyahoga Falls, O., 5s, 1923-24, 
Cuyahoga Falls, O., 5s, 1925-26. 
Evanston (Cincinnati), O., 6s, 1918, 
Evanston (Cincinnati), O., 6s, 1920, 
Evanston (Cincinnati), O., 6s, 1922, 
Evanston (Cincinnati), O., 6s, 1924, 
Hamilton, O., 4s, 1926, . 
Lorain, C\, 4|s, 1913, 
Madisonville, O., 5s, 1924, 
Mahoning County, O., 4£s, 1913, 
Manchester, O., 5s, 1931, . 
Manchester, O., 5s. 1932-34, 
Manchester, O., 5s, 1935-37, 
Manchester, O., 5s, 1938, . 
Newark, O., 4£s, 1913-15, 
Newark, O., 4*s, 1916-17, 
Newark, O., 4£s, 1918-20, 
Newark, O., 4|s, 1921-22, 
Norwood, O., 44s, 1910, . 
Norwood, O., 4£s, 1911-12, 
Norwood, O., 4£s, 1913, . 
Norwood, O., 4£s, 1914-15, 
Norwood, O., 4js, 1916-18, 
Piqua, O., 3£s, 1925, 
Scio, O., 4*s, 1921-23, 
Scio, O., 4£s, 1925-28, 
Tiffin, O., 4s, 1916, . 
Vermillion, O., 5s, 1918, . 
Vermillion, O., 5s, 1919, . 
Vermillion, O., 5s, 1921-22, 
Vermillion, O., 5s, 1923, . 
Wapakoneta, O., 5s, 1913, 
Wauseon, O., 4*s, 1914-16, 
West Milton, O., 4£s, 1940-42, 



Book Value. 



$28,714 


r 

41 ! 


7,524 


56 




f 


2,326 


■ 



10,283 10 

2,039 29 

2,769 OS 

1,016 88 

4 611 94 



10,319 37 



7,129 62 

19,765 15 

7,961 02 | 
25,271 74 

r 

9,636 85 

507 86 
4,107 44 
5,488 30 



Rate. 
102 
103 
104 
101 
102 
104 
105 
106 
107 
108 
109 
110 
114 
117 
120 
122 
102 
102 
112 
101 
112 
113 
114 
115 
102 
103 
104 
105 
100 
101 
102 
103 
104 
96 
105 
106 
100 
106 
107 
108 
109 
102 
102 
109 



$252,825 38 



Market Value. 

$10,710 00 

9,785 00 

8,320 00 

505 00 

510 00 

520 00 

525 00 

1,060 00 

1,070 00 

1,0S0 00 

1,090 00 

1,100 00 

570 00 

585 00 

600 00 

610 00 

10,200 00 

2,040 00 

2,800 00 

1,010 00 

560 00 

1,695 00 

1,710 00 

575 00 

3,060 00 

2,060 00 

3,120 00 

2,100 00 

539 27 

2,653 54 

1,064 88 

1.149 79 
1,741 50 

19,200 00 

3.150 00 
4,770 00 

25,000 00 
2,120 00 
2,140 00 
4,320 00 
1,090 00 
510 00 
4,080 00 
5,450 00 

$251,687 11 



UNDERWRITERS AT AMERICAN LLOYDS, NEW YORK, N. Y. 

Commenced business April 30, 1890. 
HALL & TROWBRIDGE, Attorneys. 

Home Office, 1^5 Cedar Street. 

Income. 

Net fire premiums, ....... 

Gross interest on bonds, $30,133.33; bank deposits,[$l, 409.90, 
Gross increase in book value of bonds, .... 



Total income, 
Ledger assets, Dec. 31, 1908, 

Total, . 



. $305,434 03 
31,543 23 

477 42 

. $337,454 68 
980,402 32 

. $1,317,857 00 



UNDERWRITERS AT AMERICAN LLOYDS. 



139 



Disbursements. 

Net amount paid policy holders for fire losses, . 

Expenses of adjustment and settlement of losses, 

Dividends to stockholders, ..... 

Commissions or brokerage, ..... 

Contingent commission to attorneys and general managers 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, . 

Legal expenses, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Gross decrease in book value of bonds, 

Paid retiring subscribers, ..... 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 

Loans secured by collateral (schedule A), 

Book value of bonds (schedule B) , . 

Deposits in trust companies and banks on interest, . 

Agents' balances, ........ 

Total ledger assets, ...... 

Non-Ledger Assets. 
Interest accrued on bonds, ...... 

Market value of bonds over book value, .... 

Gross assets, ........ 

Assets not admitted. 
Agents' balances over three months due, 

Admitted assets, ....... 

Liabilities. 
Unpaid losses, ........ 

Unearned premiums on outstanding risks, 

State, county and municipal taxes, due or accrued, . 

Due for return premiums, $6,063.29; reinsurance, $2,407.86, 

Reserve for contingencies, ...... 



Total, . 
Subscribers' deposits, 
Surplus over all liabilities, 
Surplus to policy holders, 



$100,000 00 
571,641 63 



$73,675 25 

1,645 45 

50,345 23 

76,358 52 

20,119 14 

75 00 

4,995 00 

504 50 

958 46 

2,096 19 

86 02 

2,781 62 

182 50 

82,646 60 

78,216 66 

791 76 

$395,477 90 

$922,379 10 



$20,000 00 

837,902 57 

17,361 82 

47,114 71 

$922,379 10 



7,041 67 
21,527 43 

$950,948 20 



1,033 50 
$949,914 70 



$900 00 

165,901 92 

3,000 00 

8,471 15 

100,000 00 

$278,273 07 



671,641 63 



Total liabilities and surplus, 



$949,914 70 



140 



AMERICAN MUTUAL FIRE INSURANCE CO. 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Risks and Premiums. 

Risks. 

$38,338,279 00 
49,586,771 00 



$87,925,050 00 
45,454,620 00 

$42,470,430 00 
302,433 00 



Premiums. 

$320,318 27 
372,899 92 

$693,218 19 
359,511 30 

$333,706 89 
1,903 04 



Net amount in force, 



$42,167,997 00 $331,803 85 



Miscellaneous. 



25 shares First National Bank, New York, N. Y., 

50 " Irving Exchange Nat. Bank, New York, N. Y. 

70 " Merchants National Bank, New York, N. Y., 



Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year, 

Schedule A. Securities held as Collateral. 

Company's 
Market Value. 
$22,500 00 
10,250 00 
6,020 00 

$38,770 00 

Schedule B. Bonds owned by the Company. 

Rate. 

93 

102 

105 

91 

89 

90 

111 

100 

100 
99 
97 
80 

100 

100 



$4,502,139 48 

1,462,507 39 

632,200 82 

48,661 01 

50,345 23 



State, County and Municipal Bonds. 
Brooklyn, N. Y., 3£s, 1937, 
Essex County, N. J., 4s, 1938, . 
Massachusetts 3£s, 1935, . 
New York, N. Y., 3s, 1920, 
New York, N. Y., 3s, 1925, 
New York, N. Y., 3*s, 1954, . 

Y., 4£s, 1957, 

Y., 4s, 1959, 

Railroad Bonds. 
Atch., Topeka & Santa F6 general 4s, 1995, 
Baltimore & Ohio 1st 4s, 1948, . 
Cleve., Cin., Chic. & St. Louis 4s, 1993, 
Metropolitan Street 5s, 1997, 
Pitts., Cin., Chicago & St. Louis 4s, 1945, . 

Miscellaneoiis Bonds. 
Westinghouse Elec. & Mfg. Co. notes, 6s, 1910, 



New York, N. 
New York, N. 



Book Value. 

$43,690 00 
48,960 00 
31,500 00 
76,900 00 
50,865 00 
29,680 00 

351,607 57 
49,840 00 

24,920 00 

24,625 00 

23,930 00 

31,320 00 

24,745 00 

25,320 00 
S837,902 57 



Loaned 
Thereon. 

$20,000 00 



$20,000 00 



Market Value. 

$46,500 00 
51,000 00 
31,500 00 
80,990 00 
54,290 00 
31,500 00 

349,650 00 
50,000 00 

25,000 00 
24,750 00 
24,250 00 
40,000 00 
25,000 00 

25,000 00 
$859,430 00 



AMERICAN MUTUAL FIRE INSURANCE COMPANY, 
PROVIDENCE, R, I. 

Incorporated June 1, 1877. Commenced business June 1, 1877. 
JOHN R. FREEMAN, President. THEODORE P. BOGERT, Secretary. 

Office, 10 Weybosset Street. 

Income. 

Net premiums, $459,582 52 

Gross interest on stocks and bonds, $19,609.93; bank deposits, 

$1,218.99; allother, $2.72, 20,83164 

Sale of rights, 119 88 

Total income, $480,534 04 



AMERICAN MUTUAL FIRE INSURANCE CO. 



141 



Ledger assets, Dec. 31, 1908, ..... 

Total, 

Disbursements. 

Net amount paid policy holders for losses, 
Dividends to policy holders, ..... 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Fire department, patrol and salvage corps fees and taxes, 
Inspections and surveys, ..... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 
Gross decrease in book value of stocks, . 
Miscellaneous expenses, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 

Book value of stocks and bonds (schedule A), . 
Deposits in trust companies and banks on interest, . 
Premiums in course of collection, .... 

Total ledger assets, ..... 

Non-Ledger Assets. 

Interest due and accrued on bonds, 

Market value of stocks and bonds over book value, . 

Gross assets, ....... 

Liabilities. 
Unpaid losses, ....... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State taxes accrued, ...... 

Total, 

Surplus to policy holders, ..... 

Total liabilities, including surplus, . 

Risks and Premiums. 



$477,058 08 


$957,592 


12 


$7,773 38 


389,911 


60 


5,177 


67 


490 


50 


46 


01 


8,547 


32 


8,276 


23 


33 


00 


9,925 


00 


1,103 


53 


$431,284 24 


$526,307 88 


$466,952 76 


49,036 


24 


10,318 


88 


$526,307 88 


733 


83 


39,626 


74 


$566,668 45 


$841 


71 


227,337 


23 


118 


66 


8,137 


41 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . . 

Expired and terminated, 

In force at end of year, . 



Risks. 

$51,663,141 00 

61,578,296 00 

$113,241,437 00 

54,854,996 00 



Cash Prem's. 

$409,342 01 
475,713 91 

$885,055 92 
430,381 47 



$236,435 01 
330,233 44 

$566,668 45 



Conting't Prem's. 

£2,046,710 05 
2,378,569 55 

54,425,279 60 
2,151,907 35 



. $58,386,441 00 

Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends paid policy holders from organization of company, 

Losses incurred during the year, ...... 

Dividends to policy holders during 1909, 94.13 per cent. 



$454,674 45 $2,273,372 25 



$5,856,514 79 

1,107,379 88 

4,284,563 75 

6,927 23 



142 



ASSURANCE COMPANY OF AMERICA. 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
100 shares Atch., Top. & Santa Fe, preferred, 
220 " Chicago Great Western, preferred, 

53 " Chicago, Milwaukee & St. Paul, 
161 " Chicago, Mil. & St. Paul, preferred, 
100 " Chicago & Northwestern, . 
100 " Chicago, St. Paul, Minn. & Omaha, 
100 " Cleve., Cin., Chicago & St. L., pref., 
100 " Cleveland & Pittsburg, 
200 " Great Northern, preferred, 

69 " Illinois Central, 

40 " Illinois Central, leased lines, 
200 " Manhattan, 

32 " Minneap., St. Paul & Sault Ste. M., 
216 " Minn., St. P. & Sault Ste. M., pref., 
130 " Morris & Essex, 
100 " New York, New Haven & Hartford, 

50 " N. Y., N. H. & Hartford (25 r ; pd.), 
160 " Northern Pacific, 
150 " Old Colony, .... 
625 " Pennsylvania, .... 
200 " Pitts./ Bess. & Lake Erie, preferred, 
100 " Southern Pacific, 
100 " Southern, preferred, 
200 " Union Pacific, preferred, . 
115 " West End Street, 

MiscelUuii OUS Storks. 
200 shares American Telegraph & Telephone, 

Municipal Bonds. 
Boston, Mass., 4s, 1910, . 
Boston, Mass., 3 As, 1930, .... 
Providence, R. I., 4s, 1925, 

Railroad Bonds. 
Denver City Tramway Co. 5s, 1919, . 
New York/New Haven & Hartford 34s, 1956, 
New York, New Haven & Hartford 6s, 1948, 
Southern Pacific, convertible 4s, 1929, 



Book Value. 

$10,000 00 

17,600 00 

5,000 00 
24,000 00 
16,000 00 
13,000 00 
10,000 00 

9,000 00 
25,000 00 

8,000 00 

4,000 00 
27,500 00 

3,200 00 
30,600 00 
11,000 00 
16,400 00 

1,736 41 
24,000 00 
27,000 00 
31,250 00 
15,000 00 
11,000 00 
10,000 00 
19,600 00 
10,000 00 

28,000 00 

10,000 00 
10,000 00 
20,000 00 

8,000 00 
4,000 00 
4,200 00 
2,866 35 

8466,952 76 



Rate. Market Value. 

105 $10,500 00 
64 14,080 00 

158 8,374 00 

172 27,692 00 

185 18,500 00 

155 15,500 00 

107 10,700 00 

176 8,800 00 

144 28,800 00 

148 10,212 00 

98 3,920 00 

141 28,200 00 

142 4,544 00 

157 33,912 00 
185 12,025 00 

158 15,800 00 
148 2,712 50 
146 23,360 00 
198 29,700 00 
137 42,812 50 

142 14,200 00 
137 13,700 00 

75 7,500 00 

104 20,800 00 

189 10,867 50 

143 28,600 00 

100 10,000 00 
96 9,600 00 

101 20,200 00 

101 8,080 00 

102 4,080 00 
134 5,628 00 

106 3,180 00 

$506,579 50 



ASSURANCE COMPANY OF AMERICA, NEW YORK, N. Y. 

Incorporated Feb. 25, 1897. Commenced business April 1, 1897. 

Paid-up Capital, $200,000. 

R. BLEECKER RATHBONE, President. CHARLES S. CONKLIN, Secretary 

Home Office, 45 William Street. 

Income. 

Net fire premiums, ........ 

Gross interest on bonds, $12,176.98; bank deposits, $689.86, 
Gross profit on sale of bonds, ...... 



Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 



$89,606 18 

12,866 84 

31 25 



$102,504 27 
451,663 04 

$554,167 31 



$62,068 45 
J, 138 93 



ASSURANCE COMPANY OF AMERICA. 



143 



Commissions or brokerage, 

Salaries, fees, etc., of officers and employees, 

Rents, ....... 

Advertising, ...... 

Postage, telegrams, telephone and express, 

Maps, including corrections, . ■ . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

State taxes on premiums, 

Insurance department licenses and fees, 

Gross loss on sale of bonds, 

Interest on borrowed money, 

Borrowed money repaid, 

Agents' balances charged off, 

All other disbursements, 

Total disbursements, .... 

Balance, . . . . . . 

Ledger Assets. 
Book value of bonds (schedule A), 
Deposits in trust companies and banks on interest, 
Agents' balances, . . 



Non-Ledger Assets. 



Total ledger assets, 

Interest accrued on bonds, .... 

Gross assets, ...... 

Assets not admitted. 

Agents' balances over three months due, 
Book value of bonds over market value, . 

Admitted assets, ..... 





$9,353 84 




7,819 00 




786 28 




92 80 




206 26 




78 33 




277 79 




864 53 




1,326 39 




184 00 




87 50 




3,616 66 
10,000 00 




325 85 




899 41 


. 


$99,126 02 


$455,041 29 


• 


$427,470 00 

6,154 20 

21,417 09 


$455,041 29 



$4,996 86 
53,670 00 



Liabilities. 

Unpaid losses, including $9,389 resisted, $28,632; less rein 
surance, $11,304, ...... 

Unearned premiums on outstanding risks, 
Interest due or accrued on borrowed money, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Borrowed money, ....... 



Total, .... 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities and surplus, 



$200,000 00 
96,125 53 



3,240 52 



$458,281 81 



58,666 86 
$399,614 95 



$17,328 00 

41,484 57 

400 00 

2,247 47 

2,029 38 

40,000 00 

$103,489 42 



296,125 53 
$399,614 95 






144 



ATLANTA HOME INSURANCE CO. 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. Premiums. 

$10,303,948 00 $140,402 28 

19,897,725 00 215,758 81 

$30,201,673 00 $356,161 09 

16,046,217 00 197,947 74 

$14,155,456 00 $158,213 35 

6,926,370 00 77,552 77 



$7,229,086 00 $80,660 58 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Par value of company's stock owned by directors, 

Schedule A. Bonds owned by the Company. 

Rate. 
89 
94 
91 

100 



$6,013,904 64 

4,231,099 04 

265,456 47 

56,820 45 

95,750 00 



Municipal Bonds. 
New York, N. Y., 3s, 1925, 
New York, N. Y., 3Vs, 1927-28, 
New York, N. Y., 3*8, 1940, 
New York, N. Y., 3£s, 1910, . 

Railroad Bonds. 
Chicago & Alton 3s, 1949, 
Lake Shore & Michigan Southern 4s, 1928, 
Metropolitan Street 4s, 2002, . 
Richmond & Danville 5s, 1927, 
St. Louis, Iron Mountain & So. 4s, 1929, 
Scioto Valley & New England 4s, 1989, 



Book Value. 

SI 01, 250 00 

135,837 50 

55,437 50 

30,000 00 

16,182 50 
19,750 00 
18,450 00 
11,100 00 
19,162 50 
20,300 00 

$427,470 00 



Market Value. 

889,000 00 

117,500 00 

45,500 00 

30,000 00 

75 15,000 00 

96 19,200 00 

52 10,400 00 

108 10,800 00 

86 17,200 00 

96 19,200 00 

8373,800 00 



ATLANTA HOME INSURANCE COMPANY, ATLANTA, GA. 

Incorporated, 1881. Commenced business, 1882. 

Cash Capital, $200,000. 
JOEL HURT, President. DOWDELL BROWN, Secretary. 

Home Office, Equitable Building. 

Income. 

Net fire premiums, ........ $182,912 68 

Gross interest on mortgages, $5,537.67; collaterals, $1,123.33 

stocks and bonds, $14,127.78; bank deposits, $283.03, . . 21,071 81 

Gross profit on sale of stocks, ...... 470 00 

Gross increase in book value of stocks and bonds, . . . 4,526 75 

From all other sources, . ... . . . . . 150 50 



Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 



$209,131 74 
497,556 29 

$706,688 03 



$108,474 62 
1,004 20 



ATLANTA HOME INSURANCE CO. 



145 



, Dividends to stockholders, ..... 
; Commissions or brokerage, ..... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, . 

Rents, ......... 

i Advertising, printing and stationery, 

: Postage, telegrams, telephone and express, 

i Legal expenses, ....... 

'Maps, including corrections, ..... 

| Underwriters' boards and tariff associations, 

i Fire department, patrol and salvage corps fees and taxes, 

I State taxes on premiums, . . 

j Insurance department licenses and fees, . 

! Other licenses, fees and taxes, . ... 

Gross decrease in book value of stocks, . 

j Excess of cost over book value of stocks acquired during 1909 
I All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
j Mortgage loans on real estate, .... 

| Book value of stocks and bonds (schedule A) , . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Agents' balances, ....... 

Total ledger assets, ....... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $600; bonds, $1,332.50, 

Gross assets, ......... 

Assets not admitted. 

Agents' balances over three months due, . . $887 68 

Book value of stocks and bonds over market value, . 11,985 00 

Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $3,679 resisted, $19,540; less rein- 
surance, $936, ....... 

Unearned premiums on outstanding risks, 

i Dividends due stockholders, ..... 

j Salaries, expenses and accounts, due or accrued, 

I Commissions and other charges due agents and brokers, 

jState, county and municipal taxes, due or accrued, . 



Total, .... 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities and surplus, 



$200,000 00 
146,527 76 



$14,000 00 

34,636 58 

3,628 57 

10,400 96 

1,416 20 

2,120 12 

1,415 56 

300 00 

346 15 

1,953 09 

1,293 71 

2,058 43 

1,160 45 

2,026 74 

1,800 00 

90 00 

3,754 89 

$191,880 27 

$514,807 76 



$75,207 67 

376,460 00 

1,415 25 

23,296 88 

38,427 96 

$514,807 76 



1,932 50 
$516,740 26 



12,872 68 
$503,867 58 



$18,604 00 
128,100 25 
7,000 00 
1,433 37 
1,004 92 
1,197 28 

$157,339 82 



346,527 76 
$503,867 58 



146 



ATLANTA HOME INSURANCE CO. 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$16,108,463 00 
19,958,768 00 



$36,067,231 00 
16,712,036 00 

$19,355,195 00 
2,609,866 00 



Premiums. 

$235,995 23 
262,781 73 

$498,776 96 
235,255 98 

$263,520 98 
19,504 83 



$16,745,329 00 $244,016 15 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (7 per cent.), 

Par value of company's stock owned by directors, 



$3,269,651 60 

1,834,467 54 

374,796 64 

130,000 00 

113,696 62 

14,000 00 

92,350 00 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
100 shares Atlantic Coast Line, Va., . 

Bank Stocks. 
100 shares American National, Macon, Ga., 
10 " Bk. of Soc. Cir., Social Circle, Ga., 
55 " Citizens First Nat., Albany, Ga., 
75 " Mer. Tr. & Dep. Co., Baltimore, Md., . 
50 " Southern Trust Co., Hawkinsville, Ga., 
Miscellaneous Stocks. 
105 shares Atlanta I. & C. Co., Atlanta, Ga., 
360 " N. P. Pratt Laboratory, Atlanta, Ga., 

State and Municipal Bonds 
Arlington, Ga., 5s, 1911-15, 
Arlington, Ga., 5s, 1916-20, 
Arlington, Ga., 5s, 1921-25, 
Arlington, Ga., 5s, 1926-30, 
Arlington, Ga., 5s, 1931-35, 
Atlanta, Ga., 3^s, 1931, . 
Atlanta, Ga., 6s, 1914, 
Atlanta, Ga., 4s, 1933, 
Augusta, Ga., 4s, 1935, 
Calhoun, Ga., 5s, 1913-15, 
Calhoun, Ga., 5s, 1916-18, 
Calhoun, Ga., 5s, 1919-22, 
Calhoun, Ga., 5s, 1923-26, 
Calhoun, Ga., 5s, 1927-32, 
Calhoun, Ga., 5s, 1933-37, 
Canton, Ga., 5s, 1922, 
Canton, Ga., 5s, 1927, 
Dalton, Ga., 5s, 1918, 
Georgia 3£s, 1927, . 
Greensboro, N. C, 4s, 1954, 
Massachusetts 3^s, 1935, . 
Millen, Ga., 5s, 1930-37, . 
New York, N. Y., 4s, 1956, 
Roswell, Ga., 6s, 1910-24, 



Book Value. 
$12,250 00 

66,150 00 
1,580 00 
8,580 00 

11,400 00 
5,000 00 

10,500 00 
27,000 00 

5,000 00 

5,000 00 

5,000 00 

5,000 00 

5,000 00 

77,000 00 

1,500 00 

25,000 00 

5,000 00 

1,500 00 

1,500 00 

2,000 00 

2,000 00 

3,000 00 

2,500 00 

4,000 00 

5,000 00 

6,000 00 

25,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

8,000 00 

$376,460 00 



Rate. 
137 

170 
155 
135 
302 
100 

100 
70 

98 

97 

95 

94 

93 

93 

107 

100 

98 

98 

97 

96 

95 

94 

93 

98 

97 

104 

99 

92 

97 

100 

100 

100 



Market Value. 
$13,700 00 

64,260 00 
1,550 00 
7,425 00 

11,325 00 
5,000 00 

10,500 00 
25,200 00 

4,900 00 
4,850 00 
4,750 00 
4,700 00 
4,650 00 

71,610 00 
1,605 00 

25,000 00 
4,900 00 
1,470 00 
1,455 00 
1,920 00 
1,900 00 
2,820 00 
2,325 00 
3,920 00 
4,850 00 
6,240 00 

24,750 00 
9,200 00 
9,700 00 

10,000 00 

10,000 00 
8,000 00 

$364,475 00 



ATLANTIC MUTUAL INSURANCE CO. 



147 



ATLANTIC MUTUAL INSURANCE COMPANY, NEW YORK, N. Y. 

Incorporated April 11, 1842. Commenced business July 1, 1842. 
A. A. RAVEN, President. G. STANTON FLOYD-JONES, Secretary. 

Home Office, 51 Wall Street. 



Income. 

Net premiums, . 

Gross interest on stocks and bonds, $348,633.78; bank deposits, 

$15,691.64; all other, $5,751.33; gross rents, including $50,000 

for company's own occupancy, $348,888.56, 
Gross profit on sale of bonds, 
Borrowed money, . 
Sale of rights, 
From all other sources, . 



$3,236,961 86 



Total income, 
Ledger assets, Dec. 31, 1908, 

Total, . 



Disbursements 



Net amount paid policy holders for losses, 

Scrip redeemed in cash, 

Interest to scripholders, 

Commissions or brokerage, 

Salaries, fees, etc., of officers and employees, 

Rents, for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ..... 

Underwriters' boards and tariff associations, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, .... 

State taxes on premiums, 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Gross loss on sale of bonds, 

Gross decrease in book value of stocks, . 

Borrowed money repaid, 

Interest on borrowed money, 

Discount on premiums, . 

All other disbursements, 

Total disbursements, 

Balance, 

Ledger Assets. 
Book value of real estate, 
Book value of stocks and bonds (schedule A), 
Deposits in trust companies and banks on interest, 
Bills receivable, 
Scrip owned by the company, 
Deposited with foreign bankers, 

Total ledger assets, 



718,965 31 

6,783 88 

400,000 00 

25,162 50 

7,297 57 

$4,395,171 12 

13,002,782 10 

$17,397,953 22 



$1,468,317 99 

1,265,020 00 

440,000 00 

118,416 87 

317,952 91 

50,000 00 

15,762 89 

2,071 88 

12,831 96 

6,876 22 

5,585 79 

86,806 34 

66,402 40 

38,651 18 

48 00 

8,390 20 

9,710 74 

58,500 00 

400,000 00 

3,100 00 

11,578 65 

20,947 49 

$4,406,971 51 

$12,990,981 71 



$4,374,426 04 

5,509,845 18 

1,633,405 13 

1,226,677 32 

6,680 00 

239,948 04 

$12,990,981 71 



148 



ATLANTIC MUTUAL INSURANCE CO. 



Non-Ledger Assets. 
Interest accrued on : — 
Bonds, $33,523.57; other assets, $2,138.13, 
Rents due on company's property, . 
Market value of stocks and bonds over book value, 



Gross assets, 



Company's scrip owned, 
Bills receivable, 

Admitted assets, 



$35,661 70 

26,218 76 

. 1,874,766 13 

$14,927,628 30 



Assets not admitted. 



$6,680 00 
13,607 64 



20,287 64 
$14,907,340 66 



Liabilities. 



Unpaid losses, including $5,500 resisted, .... 

Unearned premiums on outstanding risks, ... 

Scrip ordered to be redeemed, ..... 

Interest due or accrued on scrip, ..... 

Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for return premiums, $120,569.42; reinsurance, $245,502.35 
Outstanding scrip, ....... 

Reserve for depreciation in real estate, .... 

Surplus on redemption of scrip withheld as security, 
Other liabilities, ........ 

Total, 

Surplus to policy holders, ...... 

Total liabilities and surplus, ..... 

Risks and Premiums. 



$2,004,326 23 

685,546 90 

213,411 48 

50,057 47 

13,074 38 

104,429 55 

43,417 29 

366,071 77 

7,404,890 00 

370,000 00 

22,353 49 

910 00 

$11,278,488 56 
. 3,628,852 10 

$14,907,340 66 



Marine risks in force Dec. 31, 1908, 
Marine risks written during the year, 



Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$144,771,499 00 
747,866,095 00 



Premiums. 

$717,712 70 
3,759,391 25 



$892,637,594 00 $4,477,103 95 
746,529,060 00 3,791,557 05 



$146,108,534 00 
12,093,244 00 



$685,546 90 
66,196 46 



$134,015,290 00 $619,350 44 



Miscellaneous. 

Net premiums received from organization of company, 
Net losses paid from organization of company, 
Scrip dividends declared from organization of company, 
Marine and inland losses incurred during the year, . 
Scrip dividends declared during the year, 



$237,683,301 69 
134,614,763 04 
. 85,225,640 00 
. 2,025,640 56 
. 1,302,772 43 



Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. Book Value. Rate. Market Value. 

1,600 shares Chieago & Northwestern, . . $226,193 63 185 §296,000 00 

2,070 " Del., Lackawanna & Western, .< 59,233 00 620 641,700 00 

700 " Delaware & Hudson, . . . 160,262 50 185 129,500 00 



BEN FRANKLIN FIRE INSURANCE CO. OF PITTSBURGH. 



149 



350 shares Great Northern, preferred, 

250 " Great Northern, Iron Ore properties, 

400 " Morris & Essex, 

2,000 " N. Y. Central & Hudson River, 
500 " N. Y., Lackawanna & Western, 
200 " Northern Pacific, . 
120 " Northern Pacific, . 

6,000 " Pennsylvania, 

Bank Stocks. 
900 shares American Exch. Nat., New York, 
500 " Bank of America, New York, . 
360 " Bank of the Manhat. Co., N. Y., 
942 " Bank of New York, Nat. As., N. Y. 
333 " Market & Fulton Nat , N. Y., 
850 " Mechanics National, N. Y., 

1,403 " Merchants National, N. Y., 
805 " Metropolitan Trust Co., N. Y,, 
805 " Nat. Bank of Commerce, N. Y., 
100 " U. S. Mortgage & Trust Co., N. Y., 

Miscellaneous Stocks. 
278 shares Atlantic Safe Deposit Co., 
875 " Consolidated Gas Co., of N. Y., 
450 " Del., Lacka. & West. Coal Co., 
10 " Underwriters' Sal. Co., of N. Y., 
Government Bonds. 

United States 4s, 1925, .... 
State and Municipal Bonds. 

New York, N. Y., 3*s, 1916, . 

New York, N. Y., 3is, 1953, . 

New York 3s, 1912, .... 

New York 3s, 1959, .... 

Railroad Bonds. 
Atlantic Coast Line 4s, 1952, 
Brooklyn & Montauk 5s, 1938, 
Chicago, Burl. & Quincy (111. Div.) 4s, 1949, 
Delaware & Hudson 4s, 1916, . 
Lake Shore & Michigan Southern 4s, 1928, 
Lake Shore & Michigan Southern 4s, 1931, 
New York Central & Hudson River 4s, 1934, 
New York, Chicago & St. Louis 4s, 1937, . 
Northern Pacific-Great Northern 4s, 1921, . 
Rensselaer & Saratoga 7s, 1921, 
St. Paul, Minneapolis & Manitoba 4s, 1940, 
West Shore 4s, 2361, .... 

Miscellaneous Bonds. 
Maritime Asso. of the Port of N. Y., 5s, 1924, 
Providence Securities Co. 4s, 1957, 



Book Value. 
$79,381 25 

34,475 00 
7,460 19 
61,687 50 
40,625 00 
12,000 00 
374,606 25 

113,004 82 
61,765 49 
25,524 81 

154,805 98 
45,080 00 
82,369 10 
80,203 98 

294,558 63 

115,437 11 
26,420 01 

26,450 00 

97,565 31 

22,500 00 

1,000 00 

196,821 12 

634,920 00 
500,625 00 
220,750 00 
307,890 00 

55,550 00 

75,000 00 
152,000 00 

24,051 00 
198,125 00 

98,500 00 
143,483 75 

91,565 83 
145,622 50 

66,625 00 

99,393 92 
203,312 50 

5,000 00 
88,000 00 

5,509,845 18 



Rate. 
144 
81 
185 
127 
127 
146 
146 
137 

250 
603 
350 
327 
261 
301 
180 
536 
205 
455 

100 
160 
204 
125 

115 

97 

90 

100 

103 

96 

106 

101 

103 

96 

95 

96 

100 

97 

128 

99 

102 

100 
86 



Market Value. 

$50,400 00 
20,250 00 
37,000 00 

254,000 00 
63,500 00 
29,200 00 
17,520 00 

411,000 00 

225,000 00 
301,500 00 

63,000 00 
308,034 00 

86,913 00 
255,850 00 
126,270 00 
431,480 00 
165,025 00 

45,500 00 

27,800 00 

140,000 00 

45,900 00 

1,250 00 

230,000 00 

582,000 00 
450,000 00 
200,000 00 
309,000 00 

52,800 00 

79,500 00 

151,500 00 

24,720 00 

192,000 00 

95,000 00 

144,000 00 

100,000 00 

145,500 00 

64,000 00 

95,999 31 

204,000 00 

5,000 00 
86,000 00 

17,384,611 31 



BEN FRANKLIN FIRE INSURANCE COMPANY OF PITTSBURGH, 

PITTSBURGH, PA. 

Incorporated Feb. 9, 1866. Commenced business June 26, 1866. 

Paid-tip Capital, $200,000. 

SAMUEL McKNIGHT, President. WILLIAM A. FORD, Secretary. 

Home Office, 120 West Ohio Street. 

Income. 
Net fire premiums, 



Gross interest on mortga 

gross rents, $586.50, 
Borrowed money, . 

Total income, 
Ledger assets, Dec. 31, 1908, 

Total, . 



ges, $39,387.40; bank deposits, $228.04 



$494,106 26 

40,201 94 
20,000 00 

$554,308 20 
803,614 95 

$1,357,923 15 



150 



BEN FRANKLIN FIRE INSURANCE CO. OF PITTSBURGH. 



Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, .... 

Commissions or brokerage, .... 

Agency expenses, . ..... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, . 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Interest on borrowed money, . 

Agents' balances charged off, . 

Borrowed money repaid, 

All other disbursements, 

Total disbursements, 

Balance, .... 

Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Deposit with Philadelphia Underwriters, 

Total ledger assets, ....... 

Non-Ledger Assets. 

Interest due and accrued on mortgages, ..... 
Rents due on company's property, ...... 

Gross assets, ......... 

Assets not admitted. 

Agents' balances over three months due, . . $1,925 44 

Deposit with Philadelphia Underwriters, . . . 200 00 



Admitted assets, ...... 

Liabilities. 

Unpaid losses, $48,687.24; less reinsurance, $3,883.73, 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 



$248,656 68 

3,953 66 

32,000 00 

140,977 27 

8,628 37 

6,652 46 

16,415 98 

2,050 00 

6,682 05 

1,064 09 

1,418 27 

1,337 18 

1,966 62 

3,711 43 

297 03 

260 50 

797 00 

4,364 80 

2,467 20 

1,950 49 

166 60 

52 89 

20,000 00 

760 12 

$506,630 69 

$851,292 46 

$84,106 34 

664,070 00 

9,858 34 

28,420 88 

64,636 90 

200 00 

$851,292 46 



10,737 96 
81 00 

$862,111 42 



2,125 44 

$859,985 98 



$44,803 51 

417,219 81 

1,595 60 



BLACKSTONE MUTUAL FIRE INSURANCE CO. 



151 



Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for return premiums, ..... 



$909 44 

3,717 32 

148 37 



Total, 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, . . . . - 

Total liabilities and surplus, 

Risks and Premiums. 



$200,000 00 
191,591 93 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Risks. 

$69,166,108 00 
54,155,915 00 



$468,394 05 



391,591 93 

$859,985 98 



Premiums. 

$811,265 81 
643,916 70 



$123,322,023 00 $1,455,182 51 
48,953 805 00 601,812 57 



$74,368,218 00 
4,616,559 00 



$853,369 94 
55,423 91 



Net amount in force, 



$69,751,659 00 $797,946 03 



Miscellaneous. 



Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (16 per cent.), . 

Par value of company's stock owned by directors, 



$4,406,305 26 

1,938,075 54 

454,301 00 

40,000 00 

255,894 60 

32,000 00 

66,000 00 



BLACKSTONE MUTUAL FIRE INSURANCE COMPANY, 
PROVIDENCE, R. I. 

Incorporated August, 1868. Commenced business August, 1868. 
WM. B. McBEE, President. ERNEST W. BROWN, Secretary. 

Office, 10 Weybosset Street. 

Income. 

Net premiums, $945,219 85 

Gross interest on stocks and bonds, $40,176.42; bank deposits, 

$5,024.79, 45,201 21 

Gross profit on sale of bonds, . . . . . . 1,625 00 



Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements. 

Net amount paid policy holders for losses, 
Dividends to policy holders, .... 
Salaries, fees, etc., of officers and employees, . 
Rents, ........ 



$992,046 06 
956,716 22 

1,948,762 28 



$22,198 91 

811,510 42 

13,792 67 

1,805 39 



152 



BLACKSTONE MUTUAL FIRE INSURANCE CO. 



Advertising, printing and stationery, ..... 

Postage, telegrams, telephone and express, .... 

Furniture and fixtures, ........ 

Fire department, patrol and salvage corps fees and taxes, . 

Inspections and surveys, including settlement of losses, 

State taxes on premiums, ....... 

Insurance department licenses and fees, ..... 

Other licenses, fees and taxes, ...... 

Gross decrease in book value of stocks, ..... 

Excess of cost over book value of stocks acquired during 1909, 
All other disbursements, ....... 

Total disbursements, ....... 

Balance, ......... 

Ledger Assets. 
Book value of stocks and bonds (schedule A), . 
Deposits in trust companies and banks on interest, . 
Premiums in course of collection, ...... 

Total ledger assets, ....... 

Non-Ledger Assets. 
Interest accrued on bonds, ....... 

Market value of stocks and bonds over book value, . 

Gross assets, ......... 

Liabilities. 
Unpaid losses, ......... 

Unearned premiums on outstanding risks, .... 

Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 

Total, 

Surplus to policy holders, ....... 

Total liabilities and surplus, ...... 



$787 34 

784 25 

436 22 

148 29 

15,771 47 

17,434 52 

33 00 

834 90 

18,302 50 

626 15 

359 51 



$904,825 54 
$1,043,936 74 



$847,035 88 

181,690 72 

15,210 14 

$1,043,936 74 



2,732 50 
139,782 32 

$1,186,451 56 



$1,458 35 

469,157 39 

343 40 

23,831 60 

$494,790 74 
691,660 82 

$1,186,451 56 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. 

. $110,909,653 00 
. 129,047,841 00 



Cash Prem's. Conting't Prem's. 

$858,434 54 $4,292,172 70 
977,989 41 4,889,947 05 



$239,957,494 00 
117,031,125 00 



$1,836,423 95 $9,182,119 75 
898,109 16 4,490,545 80 



$122,926,369 00 $938,314 79 $4,691,573 95 



Miscellaneous. 
Net premiums received from organization of company, . $11,484,405 58 

Net losses paid from organization of company, . . . 1,529,059 30 

Cash dividends paid policy holders from organization of company, 8,424,724 05 
Losses incurred during the year, ...... 20,774 51 

Dividends to policy holders during 1909, 93.78 per cent. 



BUFFALO COMMERCIAL INSURANCE CO. 



153 



Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
60 shares Albany & Susquehanna, 
350 " Canada Southern, . 
264 " Cayuga & Susquehanna, 
100 " Chicago, Mil. & St. Paul, preferred, 
250 " Chicago, Milwaukee & St. Paul, 
405 " Chicago & Northwestern, 
200 " Cleve., Cin., Chic. & St. L., pref., 

40 " Cleve., Cin., Chic. & St. Louis, 
100 " Cleveland & Pittsburg, . 
150 " Connecticut & Pass. Riv., pref., 
100 " Erie & Pittsburg, . 
150 " Hereford, .... 
420 " Illinois Central, . . . 

100 " Illinois Central, leased lines, 
200 " Joliet & Chicago, . 
110 " Mahoning Coal, preferred, 
250 " Manhattan, .... 
400 " Morris & Essex, . 
300 " New York, Lackawanna & West., 
1,180 " Pennsylvania, 
200 " Pitts. /Bess. & Lake Erie, pref., 
400 " Pitts., Bess. & Lake Erie, 
170 " Pitts., Ft. Wavne & Chicago, . 
360 " Pitts., McKeesport & Yough., 
175 " Rensselaer & Saratoga, . 
200 " Rome, Watertown & Ogdensburg, 
150 " St. Louis Bridge Co., preferred, 
50 " Upper Coos, 

Bank Stocks. 
50 shares Union Tr. Co., Providence, R. I., 
Miscellaneous Stocks. 
233 shares American Tel. & Tel. Co.. 
50 " Gold & Stock Telegraph Co., . 
Government Bonds. 
United States 4s, 1925, .... 

State Bonds. 
Rhode Island 3fa 1924, .... 
Rhode Island 3s, 1936, .... 

Railroad Bonds. 
Chicago, Burlington & Quincy 3^s, 1949, 
Long Island 4s, 1949, .... 

Northern Pacinc-Gt. Northern joint 4s, 1921, 



Book Value. 


Kate. 


Market Value. 


$10,200 


00 


300 


$18,000 00 


23,837 


50 


70 


24,500 00 


17,897 


00 


226 


17,899 20 


10,000 


00 


172 


17,200 00 


34,975 


00 


158 


39,500 00 


40,500 


00 


185 


74,925 00 


18,000 


00 


107 


21,400 00 


2,800 


00 


82 


3,2S0 00 


5,000 


00 


176 


8,800 00 


20,893 


75 


139 


20.S50 00 


5,000 


00 


155 


7,750 00 


13,650 


00 


90 


13,500 00 


43,232 


50 


14S 


62,160 00 


9,000 


00 


9S 


9,S00 00 


35,100 


00 


174 


34,S00 00 


5,500 


00 


104 


5,720 00 


35,000 


00 


141 


35,250 00 


36,893 


75 


185 


37.000 00 


38,300 


00 


127 


3S,100 00 


71,272 


00 


137 


80,830 00 


12,339 


50 


142 


14,200 00 


14,778 


13 


70 


14.000 00 


29,240 


00 


176 


29,920 00 


24,536 


75 


129 


23,220 00 


34,400 


00 


199 


34,825 00 


20,000 


00 


126 


25,200 00 


18,750 


00 


127 


19,050 00 


6,200 


00 


140 


7,000 00 


5,000 


00 


160 


8,000 00 


27,960 


00 


143 


33,319 00 


5,000 


00 


113 


5,650 00 


16,000 


00 


115 


18,400 00 


100,000 


00 


101 


101.000 00 


15,000 


00 


93 


13,950 CO 


4,000 


00 


90 


3,600 00 


9,900 


00 


99 


9,900 00 


26,880 


00 


97 


54,320 00 


SS47,035 


88 


S9S6,S1S 20 



BUFFALO COMMERCIAL INSURANCE COMPANY, BUFFALO, N. Y. 

Incorporated April 15, 1896. Commenced business April 16, 1896. 

Paid-up Capital, §200,000. 
CHARLES GROBEN, President. GEO. H. HOFHEINS, Secretary. 

Home Office, 1+55 Main Street. 

Income. 
Net fire premiums, . . - . . - . . • . 

Gross interest on mortgages, $8,065.84; bonds, $13,895.69 

bank deposits, $2,673.93; gross rents, $180, 
Gross profit on sale of bonds, 
Gross increase in book value of bonds, 
Agents balances previously charged off, 



Total income, 
Ledger assets, Dec. 31, 1908, 

Total, . 



$343,875 85 

24,815 46 

24 10 

461 20 

40 78 



$369,217 39 
638,109 08 

$1,007,326 47 



154 



BUFFALO COMMERCIAL INSURANCE CO. 



Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, .... 

Commissions or brokerage, .... 

Agency expenses, ...... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, . 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, .... 

Repairs and expenses on real estate, 

Taxes on real estate, ..... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 
Other licenses, fees and taxes, 
Gross decrease in book value of ledger assets, . 
All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Book value of real estate, ..... 

Mortgage loans on real estate, .... 

Book value of bonds (schedule A), . 

Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, ..... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $88.42; bonds, $2,491.52, 
Market value of bonds over book value, . 

Gross assets, ....... 

Assets not admitted. 
Agents' balances over three months due, 

Admitted assets, ...... 

Liabilities. 

Unpaid losses, including $2,000 resisted, . 
Unearned premiums on outstanding risks, 



98 
40 
59 
34 
63 
02 
55 
57 
12 
09 
67 
70 



$171,664 85 

3,421 00 

16,000 00 

92,078 59 

23 75 

5,576 65 

13,316 00 

1,299 

1,748 

2,387 

426 

198 

1,115 

1,905 

3,406 

1,171 

14 

68 

4,599 

1,500 30 

1,779 74 

4,340 03 

511 76 

$328,554 33 

$678,772 14 



$3,500 00 

145,215 00 

383,884 50 

1,116 41 

6,639 05 

92,757 65 

45,659 53 

$678,772 14 



2,579 94 
1,245 50- 

$682,597 58- 



532 



$682,064 62 



$24,477 53 
286,609 10 



BUFFALO COMMERCIAL INSURANCE CO. 



155 



Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for return premiums, $41.85; reinsurance, $324.91, 
Reserve for contingencies, ..... 



Total, .... 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities and surplus, 



$200,000 00 
155,977 99 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

$50,033,081 00 
36,441,286 00 



$86,474,367 00 
34,055,350 00 

$52,419,017 00 
1,313,842 00 



$233 24 

4,400 00 

366 76 

10,000 00 

$326,086 63 



355,977 99 
$682,064 62 



Premiums. 

$554,185 46 
422,961 52 

$977,146 98 
404,845 98 

$572,301 00 
13,446 28 



$51,105,175 00 $558,854 72 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (8 per cent.), 
Par value of company's stock owned by directors, 



$3,011,389 00 

1,584,535 00 

123,000 00 

180,047 21 

16,000 00 

51,500 00 



Schedule A. Bonds owned by the Company. 

Rate. 

100 

99 

98 

97 

101 

102 

103 

102 

97 

94 

93 

90 



County and Municipal Bonds. 
Buffalo, N. Y., 3|s, 1911, 
Buffalo, N. Y., 3£s, 1912-14, 
Buffalo, N. Y., 3£s, 1915-16-19, 
Buffalo, N. Y., 3|s, 1922-23, 
Buffalo, N. Y., 4s, 1919, . 
Buffalo, N. Y., 4s, 1920-28, 
Buffalo, N. Y., 4s, 1929, . 
Erie County, N. Y., 4s, 1929, 
New York, N. Y., 3£s, 1917, 
New York, N. Y., 3£s, 1928, 
New York, N. Y., 3£s, 1929, 
New York, N. Y., 3£s, 1954, 

Railroad Bonds. 
Atlantic Coast Line 4s, 1952, 
Chicago, Milwaukee & St. Paul 5s, 1921, 
Delaware & Hudson 4s, 1943, 
Wabash 1st 5s, 1939, 
West Shore 4s, 2361, 
Union Pacific 4s, 2008, 



Book Value. 

$55,000 00 

19,730 00 

19,569 50 

19,300 00 

5,062 50 

71,125 00 

25,437 50 

14,245 00 

24,250 00 

23,412 50 

9,340 00 

36,000 00 

9,500 00 
10,800 00 
10,087 50 
11,200 00 
10,100 00 

9,725 00 

$383,884 50 



96 
109 
100 
113 
102 

98 



Market Value. 

$55,000 0*0 

19,800 00 

19,600 00 

19,400 00 

5,050 00 

71,400 00 

25,750 00 

14,280 00 

24,250 00 

23,500 00 

9,300 00 

36,000 00 

9,600 00 
10,900 00 
10,000 00 
11,300 00 
10,200 00 

9,800 00 

$385,130 00 



156 



BUFFALO GERMAN INSURANCE CO. 



BUFFALO GERMAN INSURANCE COMPANY, BUFFALO, N. Y. 

Incorporated Feb. 15, 1867. Commenced business Feb. 16, 1867. 

Paid-up Capital, $200,000. 

JOHN G. WICKSER, President. CHARLES A. GEORGER, Secretary. 

Home Office, 44? Main Street. 



Income. 

Net fire premiums, ........ 

Gross interest on mortgages, $19,165.88; collaterals, $625; bonds, 
$51,842.16; bank deposits, $4,589.26; gross rents, including 
$4,000 for company's own occupancy, $30,414.16, 

Gross profit on sale of bonds, ...... 

Agents' balances previously charged off, ..... 

Total income, ........ 

Ledger assets, Dec. 31, 1908, ....... 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, .... 

Commissions or brokerage, .... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, . 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross loss on sale of ledger assets, . 

Gross decrease in book value of bonds, 

Agents' balances charged off, . 

All other disbursements, 

Total disbursements, 

Balance, .... 

Ledger Assets. 
Book value of real estate, .... 
Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of bonds (schedule B), . 



taxes, 



$601,264 59 



106,636 46 

494 29 

36 49 

$708,431 83 

2,342,560 74 

$3,050,992 57 



$256,027 06 
4,498 78 

60,000 00 
157,745 98 

13,845 61 

36,546 13 
4,000 00 
4,285 73 
4,018 82 
1,061 18 

282 95 ' 
2,407 60 
4,026 13 
5,079 55 
2,092 22 
7,474 70 

10,608 56 
8,961 98 
1,779 75 
2,188 91 
8,896 54 

14,848 75 

532 68 

1,290 49 

$612,500 10 

$2,438,492 47 

$352,048 85 

377,700 00 

14,000 00 

1.384,521 76 



BUFFALO GERMAN INSURANCE GO. 



157 



Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 



$778 16 

230,528 08 

78,915 62 

. $2,438,492 47 



Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $2,139.27; bonds, $7,931.35; collateral loans, $75, 
Rents due on company's property, ....... 

Market value of bonds over book value, ..... 

Gross assets,* ........ 

Assets not admitted. 
Agents' balances over three months due, ... 

Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $4,438 resisted, ..... 

Unearned premiums on outstanding risks, .... 

State, county, municipal taxes and miscellaneous accounts, 
due or accrued, ......... 

Reserve for contingencies, ....... 



$200,000 00 
1,571,303 72 



Total, 

Cash capital, . . . . . 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities and surplus, 

Risks and Premiums. 

Risks. Premiums. 

Fire risks in force Dec. 31, 1908, . . . $122,012,853 00 $1,222,938 69 



10,145 62 

187 50 

2,839 95 

$2,451,665 54 

769 98 
$2,450,895 56 

$32,149 15 
597,442 69 

10,000 00 
40,000 00 

$679,591 84 

1,771,303 72 
$2,450,895 56 



Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



70,308,439 00 752,830 06 



$192,321,292 00 $1,975,768 75 
70,863,594 00 763,418 98 



$121,457,698 00 $1,212,349 77 
6,792,934 00 53,026 68 



$114,664,764 00 $1,159,323 09 



Miscellaneous. 

Net premiums received from organization of company, 
Net losses paid from organization of company, 

I Cash dividends declared from organization of company, 

? Fire losses incurred during the year, 

.Dividends declared during the year (30 per cent.), . 
Par value of company's stock owned by directors, 



$14,881,595 48 

7,406,158 01 

1,665,925 00 

264,812 57 

60,000 00 

35,400 00 



* Including $200,000 special reserve under New York law. 



158 



CALEDONIAN-AMERICAN INSURANCE CO. 



Schedule A. Securities held as Collateral. 

Company's 
Market Value. 

$1,020 00 
3,650 00 
2,030 00 
1,000 00 
810 00 
650 00 
2,500 00 
2,000 00 
9,100 00 



10 shares American Smelting & Refining Co., 
50 " Western Union Telegraph Co., 
10 " Union Pacific R.R. Co., 
Delaware & Hudson Co. 4s, 1916, 
Chicago, Rock Island & Pacific R.R. 4s, 2002, 
Toledo Gas Electric Heating Co. 3s, 1935, 
25 shares Third National Bank, Buffalo, 
10 " German American Bank, Buffalo, 
Chicago, Rock Island & Pacific R.R. 4s, 1934, 



Schedule B. Bonds owned by the Company. 



County and Municipal Bonds. 
Buffalo, N. Y., 3*s, 1910-11, 
Buffalo, N. Y., 3*s, 1912-14, 
Buffalo, N. Y., 3£s, 1915-19, 
Buffalo, N. Y., 3£s, 1920-24, 
Buffalo, N. Y., 3£s, 1925-29, 
Buffalo, N. Y., 4s, 1911-12, 
Buffalo, N. Y., 4s, 1913, . 
Buffalo, N. Y., 4s, 1924-28, 
Buffalo, N. Y., 4s, 1929, . 
Erie County, N. Y., 4s, 1926-28, 
New York, N. Y., 3£s, 1916, 
New York, N. Y., 3£s, 1928, 
New York, N. Y., 3*s, 1929, 
New York, N. Y., 3£s, 1952-54, 
Westchester County, N. Y., 3£s, 1937-38, 

Railroad Bonds. 
Chicago, Burlington & Quincy 4s, 1927, 
Chicago, Milwaukee & St. Paul 5s, 1921, . 
Chic, Mil. & St. P. (Wis. & Min. Div.) 5s, 1921, 
Delaware & Hudson 4s, 1943, 
Lake Shore & Michigan Southern 3£s, 1997, 



Book Value. 

$10,312 50 

233,640 00 

160,803 36 

46,721 70 

16,166 70 

10,000 00 

5,000 00 

223,842 50 

101,750 00 

42,735 00 

57,900 00 

23,250 00 

37,200 00 

227,700 00 

40,500 00 

30,000 00 
27,000 00 
27,000 00 
40,000 00 
23,000 00 

$1,384,521 76 



Rate. 

100 

99 

98 

97 

96 

100 

101 

102 

103 

102 

97 

94 

93 

90 

102 

100 
109 
109 
100 
92 



Loaned 
Thereon. 



$6,000 00 

3,000 00 
5,000 00 



$22,760 00 $14,000 00 



Market Value. 

$10,416 66 

233,640 00 

160,393 35 

46,721 70 

16,000 00 

10,000 00 

5,050 00 

224,400 00 

103,000 00 

42,840 00 

58,200 00 

23,500 00 

37,200 00 

227,700 00 

40,800 00 

30,000 00 
27,250 00 
27,250 00 
40,000 00 
23,000 00 

$1,387,361 71 






CALEDONIAN-AMERICAN INSURANCE COMPANY, NEW YORK, N. Y. 

Incorporated Dec. 24, 1897. Commenced business March 24, 1898. 

Paid-up Capital, $200,000. 
CHARLES H. POST, President. MILWARD PRAIN, Secretary. 

Home Office, 50 Pine Street. 

Income. 
Net fire premiums, ........ 

Gross interest on stocks and bonds, ..... 



$14,768 22 
9,105 00 



Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, .... 
Commissions or brokerage, .... 



$23,873 22 

252,915 24: 

. - 

$276,788 46 



$5,844 27' 
385 44- 
8,000 OC 
3,537 29 



CALEDONIAN-AMERICAN INSURANCE CO. 



159 



Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ..... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Agents' balances charged off, . 

All other disbursements, 



$39 70 

430 99 

18 26 

203 04 

86 15 
10 00 
16 46 

118 58 
28 03 
10 23 

210 65 

87 49 
27 80 
65 56 
21 30 



Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 

Book value of stocks and bonds (schedule A), . 
Deposits in trust companies and banks not on interest, 
Agents' balances, . . . 

Due from other companies, ..... 



$19,141 24 
$257,647 22 



$235,416 49 

8,020 58 

11,430 56 

2,779 59 



Total ledger assets, . . . 

Non-Ledger Assets. 
Interest due and accrued on bonds, 



$257,647 22 



2,223 33 



Gross assets, ...... 

Assets not admitted. 

Agents' balances over three months due, 

Book value of stocks and bonds over market value, 

Admitted assets, ..... 

Liabilities. 

Unpaid losses, including $750 resisted, $10,821.59 

surance, $8,982.49, .... 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Due for reinsurance, ..... 
Reserve for contingencies, .... 



$105 61 
1,056 49 



less rein- 



$259,870 55 



1,162 10 

$258,708 45 



$1,839 10 

13,543 83 

100 00 

200 00 

5,056 73 

1,000 00 



Total, . 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 



$200,000 00 
36,968 79 



$21,739 66 



236,968 79 



Total liabilities and surplus, 



$258,708 45 



160 



THE CALIFORNIA INSURANCE CO. 



Risks and Premiums. 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. Premiums. 

511,736,357 00 $120,162 66 
12,850,974 00 124,353 88 



$24,587,331 00 
10,236,779 00 



$244,516 54 
102,550 44 



$14,350,552 00 $141,966 10 
11,731,126 00 116,211 08 



$2,619,426 00 $25,755 02 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (4 per cent.), 

Par value of company's stock owned by directors, 



Schedule A. Stocks and Bonds 

Railroad Stocks. 
200 shares Pitts., Bessemer & Lake Erie, 
Miscellaneous Stocks. 
50 shares American Telephone & Telegraph, 
Municipal Bonds. 
New York, N. Y., 3*s, 1954, . 
New York, N. Y., 3£s, 1935, .... 

Railroad Bonds. 
Brooklyn, Queens Co. & Suburban 1st 5s, 1941, . 
New York, Ontario & Western 4s, 1992, 
Steinway, N. Y., 1st 6s, 1922, . . . . 

Miscellaneous Bonds. 
Tenth & Twenty-third St. Ferry Co. 1st 5s, 1919, 



OWNED BY THE 
Book Value. 
$7,283 90 

7,131 25 

156,187 50 
43,428 96 

5,481 25 
5,097 38 
5,718 75 

5,087 50 
$235,416 49 



$418,611 94 

387,386 70 

60,000 00 

4,453 93 

8,000 00 

4,500 00 



Company. 

Rate. Market Value. 
$7,000 00 



70 

143 

90 
92 

99 

97 

105 

70 



7,150 00 

157,500 00 
44,160 00 

4,950 00 
4,850 00 
5,250 00 

3,500 00 
$234,360 00 



THE CALIFORNIA INSURANCE COMPANY, SAN FRANCISCO, CAL. 

Incorporated 1861. Reorganized June, 1905. Commenced business under reorganization in 1905. 

Cash Capital, $400,000. 
W. E. DEAN, President. GEORGE W. BROOKS, Secretary. 

Home Office, 550 Sacramento Street. 

Income. 

Net fire premiums, . . . . . . . 

Gross interest on mortgages, $12,128.60; collaterals, $1,130.57; 
stocks and bonds, $21,508.57; bank deposits, $2,244.60; all 
other, $4.01 ; gross rents, including $3,600 for company's own 
occupancy, $8,720, ........ 

Atlanta Birmingham Insurance Company, .... 



$723,008 82 



45,736 35 
1,238 61 



Total income, 
Ledger assets, Dec. 31, 1908, 



$769,983 78 
1,018,873 28 



Total, 



$1,788,857 06 



THE CALIFORNIA INSURANCE CO. 



161 



Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, . . . . • 

Commissions or brokerage, ..... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, including $3,600 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 

Taxes on real estate, ...... 

State taxes on premiums, . . ... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Gross loss on sale of bonds, ..... 

Agents' balances charged off, ..... 

Stockholders' assessments charged off, 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Book value of real estate, 
Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), 
Cash in office, ..... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Bills receivable, ....... 

Furniture, fixtures and maps, .... 

Stockholders' assessments in course of collection, 

Total ledger assets, . .... 



$267,151 89 

4,700 71 

60,000 00 

145,087 51 

38,784 79 

50,919 37 

5,601 44 

15,087 28 

5,451 09 

823 41 

799 35 

5,377 45 

7,970 33 

1,044 29 

895 22 

2,556 65 

1,011 52 

4,546 85 

8,884 41 

75 00 

4,280 01 

641 41 

5,331 31 

11,491 25 

$648,512 54 

$1,140,344 52 



$92,670 31 

237,500 00 

15,605 00 

528,369 80 

6,942 82 

5,015 55 

76,821 21 

153,730 27 

2,455 40 

19,249 16 

1,985 00 

$1,140,344 52 



Non-Ledger Assets. 

Interest accrued on : — 
Mortgages, $2,903.32; bonds, $9,492.50; collateral loans, $247.16 ; 

other assets, $138.92, 12,78190 

Market value of real estate over book value, .... 7,329 69 

Due from Atlanta Birmingham Insurance Company, . . 2,500 00 



Gross assets, 



$1,162,956 11 



162 



THE CALIFORNIA INSURANCE CO. 



Assets not admitted. 

Furniture, fixtures and maps, ..... $19,249 16 

Agents' balances over three months due, . . 437 50 

Bills receivable, past due, taken for premiums, . 695 40 

Loans on personal security, ..... 1,760 00 

Book value of stocks and bonds over market value, . 9,359 80 

Stockholders' assessments in course of collection, . 1;985 00 

Due from Atlanta Birmingham Insurance. Company, 2,500 00 

Loan in excess of collateral, . . . . . 113 70 

Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $14,600 resisted, $59,890.45; less rein- 
surance, $14,939.12, 

Unearned premiums on outstanding risks, 
Dividends due stockholders, .... 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Due for reinsurance, ..... 



Total, .... 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities and surplus. 

Risks 

Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$400,000 00 
161,031 47 



$36,100 56 
$1,126,855 55 



$44,951 33 

501,583 20 

675 00 

1,000 00 

6,500 00 

11,114 .V) 

$565,824 08 



561,031 47 

. $1,126,855 55 
a.nd Premiums. 

Risks. Premiums. 

$45,922,212 00 $765,585 45 
83,038,230 00 1,137,958 52 



$128,960,442 00 $1,903,543 97 
47,303,406 00 752,139 07 



$81,657,036 00 $1,151,404 90 
14,783,500 00 238,324 64 



$66,873,536 00 $913,080 26 



Miscellaneous. 

Net premiums received from reorganization of company, 

Net losses paid from reorganization of company, 

Cash dividends declared from reorganization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (15 per cent), 

Par value of company's stock owned by directors, 

Schedule A. Securities held as Collateral. 

Company's 
Market Value. 



$1,871,711 27 

2,357,367 33 

90,000 00 

275,599 22 

60,000 00 

160,360 00 



1,000 shares Judson Manufacturing Co., 

40 " Pacific Casualty Co., 

50 " Metropolis Trust & Savings Bank, 
Ocean Shore Ry. Co. 5s, 1935, . 
Pacific Gas & Electric Co. 5s, 1936, 



$40,000 00 
6,200 00 
4,500 00 
1,700 00 
2,000 00 



Loaned 
Thereon. 

812,000 00 

500 00 
1,705 00 
1,400 00 



854,400 00 $15,605 00 



CALUMET INSURANCE CO. 



163 



Schedule B. Stocks and Bonds owned by the Company. 

Bank Stocks. 
125 shares Metropolis Trust & Savings, 

Municipal Bonds., 
Portland, Ore., 5s, 1917, . 

Railroad Bonds. 
Ferries & Cliff House 6s, 1914, 
Los Angeles 5s, 1938, 
Los Angeles Pacific 5s, 1931, 
Los Angeles Pacific 5s, 1943, 
Oakland Traction 5s, 1935, 
Oakland Traction 5s, 1933, 
Oakland Transit 5s, 1932, 
Pacific Electric 5s, 1942, . 
Petaluma & Santa Rosa 5s, 1924, 
Sacramento Gas & Electric 5s, 1927, 
San Francisco, Oakland & San Jose 5s, 1933, 
San Francisco & San Joaquin Valley 5s, 1940, 
Southern Pacific refunding 4s, 1955, . 
Sutter Street 5s, 1918, .... 
United R.Rs. of San Francisco 4s, 1927, 
Western Pacific 5s, 1933, .... 

Miscellaneous Bonds. 
California Central Gas & Elec. Co. 5s, 1931, 
Edison Light & Power Co. 6s, 1921, . 
Great Western Power Co. 5s, 1946, 
Northern California Power Co. 5s, 1932, 
Pacific Gas & Electric Co. 5s, 1936, . 
Pacific Telephone & Telegraph Co. 5s, 1937, 
Peoples Water Co. 5s, 1937, 
Spring Valley Water Co. 4s, 1923, 



Book Value. 


Rate. 


Market Value. 


$13,000 


00 


110 


$13,750 00 


27,444 


45 


106 


26,500 00 


16,240 


00 


103 


14,420 00 


23,800 


00 


108 


21,600 00 


10,610 


00 


106 


10,600 00 


23,000 


00 


101 


20,200 00 


9,372 


50 


. 93 


9,300 00 


20,050 


00 


94 


18,800 00 


11,005 


00 


107 


10,700 00 


5,262 


50 


106 


5,300 00 


12,600 


00 


98 


11,760 00 


11,000 


00 


102 


10,200 00 


5,875 


00 


106 


5,300 00 


37,975 


00 


115 


40,250 00 


34,754 


10 


95 


38,000 00 


5,037 


50 


101 


5,050 00 


44,500 


00 


74 


37,000 00 


48,287 


50 


97 


48,500 00 


4,000 


00 


102 


4,080 00 


16,350 


00 


107 


16,050 00 


23,160 


00 


95 


23,750 00 


9,830 


00 


100 


10,000 00 


37,200 


00 


96 


38,400 00 


19,795 


00 


100 


20,000 00 


36,221 


25 


73 


36,500 00 


22,000 


00 


92 


23,000 00 


$528,369 


80 


$519,010 00 



CALUMET INSURANCE COMPANY, CHICAGO, ILL. 

Incorporated Jan. 21, 1905. Commenced business March 22, 1905. 

Paid-up Capital, $300,000. 

W. IRVING OSBORNE, President. OTTO E. GREELY, Secretary. 

Home Office, 171 La Salle Street. 

Income. 

Net fire premiums, $492,933 02 

Gross interest on mortgages, $903.32; stocks and bonds, 

$20,579.97; bank deposits, $822.53; all other, $3.10, . 22,308 92 

Gross profit on sale of bonds, ....... 5,748 45 

Agents' balances previously charged off, . . . . . 76 19 

Premium on increase in capital, ...... 150,000 00 



Total income, ....... 

Ledger assets, Dec. 31, 1908, plus $100,000 increase in capital, 

Total, • . 

Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ...... 

Commissions or brokerage, ...... 



$671,066 58 
675,861 15 

$1,346,927 73 



$197,512 86 

3,674 71 

6,000 00 

109,136 32 



164 



CALUMET INSURANCE CO. 



Agency expenses, ...... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ..... 

Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Agents' balances charged off, . 

All other disbursements, 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 

Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Due from other companies, ..... 

Deposit with Philadelphia Underwriters' Association, 
Special agents' accounts, ..... 



$868 19 
36,413 05 
32,136 20 
3,853 32 
11,084 59 
5,594 47 
1,905 44 
2,902 06 
3,290 48 
1,960 98 
2,246 10 
2,850 21 
5,579 99 
5,810 03 
1,866 24 
1,251 84 
2,969 44 

$438,906 52 

$908,021 21 



$15,000 00 

590,295 15 

2,262 51 

6,200 11 

214,859 77 

78,686 49 

17 18 

100 00 

600 00 



Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $112.50; bonds, $7,525.73, . 
Market value of stocks and bonds over book value, 



$908,021 21 



7,638 23 
4,814 85 



Gross assets, $920,474 29 

Assets not admitted. 

Agents' balances over three months due, . . $3,697 39 

Due from unauthorized companies, . . . 19 72 

Deposit with Philadelphia Underwriters' Association, 100 00 

Special agents' accounts, ..... 600 00 

Special deposits less $3,072.56 liability thereon, . 6,927 44 

Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $5,233.09 resisted, $93,422.30; less re- 
insurance, $18,439.13, 

Unearned premiums on outstanding risks, .... 



11,344 55 
$909,129 74 



$74,983 17 
336,125 66 



CALUMET INSURANCE CO. 



165 



Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, . . . . - 

Total liabilities and surplus, 

Risks and Premiums. 



3300,000 00 
187,520 91 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks, 

$37,343,755 00 
57,905,804 00 



1500 00 
10,000 00 

$421,608 83 

487,520 91 
$909,129 74 



Premiums. 

$452,319 63 
700,082 43 



$95,249,559 00 $1,152,402 06 
36,360,152 00 453,981 13 



$58,889,407 00 
9,084,880 00 



$698,420 93 
94,564 31 



$49,804,527 00 $603,856 62 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year, 

Par value of company's stock owned by directors, 



$1,440,694 25 

1,113,585 49 

6,000 00 

226,809 10 

6,000 00 

135,700 00 



Schedule A. Stocks and Bonds owned by the Company. 



Miscellaneous Stocks. 
1 share General Adjustment Bureau, 
1 " Western Adjustment & Inspection Co., 

Municipal Bonds. 
Chicago, 111., Sanitary Dist., 4s, 1910-14, . 
Chicago, 111., Sanitarv Dist. 4^-s, 1911, 
New York, N. Y., 4s," 1955, 
Winnipeg, Manitoba, 4s, 1923, . 
Railroad Bonds. 
Chicago, Rock Island & Pacific 4s, 1934, 
Kansas City Ry. & Light Co. 5s, 1913, 
Lake Shore & Michigan Southern 5s, 1910, 
Norfolk & Western con v. 4s, 1932, 
Pennsylvania 5s, 1910, .... 
Peoria 1st ref. 5s, 1926, .... 
Southern Pacific convertible 4s, 1929. 
Tri City Ry. & Light Co. 5s, 1923, 

Miscellaneous Bonds. 
Commonwealth Edison Co. 5s, 1943, . 
North Shore Electric Co. 5s, 1922, 



Book Value. 
$50 00 
140 00 

53,722 65 

46,920 00 

100,125 00 

10,000 00 

45,000 00 
23,500 00 
24,937 50 
51,112 50 
24,500 00 
24,250 00 
103,437 50 
47,625 00 

15,375 00 
19,600 00 



Rate. 
100 
100 

100 
101 
100 
100 

91 

96 
100 
102 
100 

97 
106 

98 

103 
99 



Market Value. 
$50 00 
100 00 

53,500 00 

46,460 00 

100,000 00 

10,000 00 

45,500 00 
24,000 00 
25,000 00 
51,000 00 
25,000 00 
24,250 00 
106,000 00 
49,000 00 

15,450 00 
19,800 00 



$590,295 15 



$595,110 00 



166 



CAMDEN FIRE INSURANCE ASSOCIATION. 



CAMDEN FIRE INSURANCE ASSOCIATION, CAMDEN, N. J. 

Incorporated March, 1841. Commenced business April, 1841. 

Paid-up Capital, $500,000. 

EDMUND E. READ, Jr., President. JOSEPH K. SHARP, Secretary. 

Home Office, 4$4 Federal Street. 

Income. 
Net fire premiums, . $1,261,879 89 



Deposit premiums on perpetual risks, . . 

Gross interest on mortgages, $27,984.58; collaterals, $2,166.68; 
stocks and bonds, $51,105.98; bank deposits, $1,498.48; all 
other, $3.10; gross rents, including $3,000 for company's own 
occupancy, $3,394.66, 

Gross profit on sale of ledger assets, 

Premium on increase in capital, 

Borrowed money, .... 

From all other sources, . 

Total income, 
Ledger assets, Dec. 31, 1908, plus $100,000 increase in capital, 

Total, 

Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Deposit premiums returned, .... 

Dividends to stockholders, .... 

Interest on subscriptions for new stock, . 
Commissions or brokerage, .... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, .... 

Repairs and expenses on real estate, 

Taxes on real estate, ..... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Gross loss on maturity of bonds, 

Gross decrease in book value of stocks and bonds, 

Borrowed money repaid, .... 

Interest on borrowed money, .... 

Agents' balances charged off, .... 

All other disbursements, . . 

Total disbursements, .... 

Balance, ...... 



1,331 00 



86,153 48 

439 35 

100,000 00 

23,000 00 

20 15 

$1,472,823 87 
2,017,285 21 

$3,490,109 08 



$637,061 55 

15,398 64 

479 00 

39,990 50 

5,122 92 

323,577 81 

10,563 10 

45,660 06 

3,000 00 

10,273 64 

4,224 30 

904 75 

1,057 09 

3,836 95 

9,330 30 

4,385 81 

4,663 33 

505 56 

654 76 

19,354 46 

4,698 89 

1,677 42 

213 00 

4,222 24 

23,000 00 

19 77 

181 53 

3,079 29 

$1,177,136 67 

$2,312,972 41 



CAMDEN FIRE INSURANCE ASSOCIATION. 



167 



Ledger Assets. 
Book value of real estate, 
Mortgage loans on real estate, 
Loans secured by collateral (schedule A) , 
Book value of stocks and bonds (schedule B), 
Cash in office, . . . 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Deposit with Philadelphia Underwriters' Association, 

Total ledger assets, ....... 

Non-Ledger Assets. 
Interest due and accrued on : — 
Mortgages, $9,072.15; bonds, $12,836.61; collateral loans, 
$475.89; other assets, $512.13, 

Gross assets, ......... 

Assets not admitted. 

Agents' balances over three months due, . $2,037 81 

Book value of stocks and bonds over market value, . 8,728 45 

Book value of real estate over market value, . . 5,754 36 

Deposit with Philadelphia Underwriters' Association, 100 00 



1,454 36 

645,299 83 

77,105 00 

1,306,798 45 

166 17 

306 57 

45,334 71 

184,407 32 

100 00 

$2,312,972 41 



22,896 78 
$2,335,869 19 



Admitted assets, ...... 

Liabilities. 

Unpaid losses, $154,070.96; less reinsurance, $20,872.13, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Dividends due stockholders, .... 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Interest paid in advance, .... 



Total, . 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 



$500,000 00 
569,652 49 



16,620 62 
$2,319,248 57 



$133,198 83 

1,076,131 29 

25,863 55 

278 80 

1,023 61 

13,000 00 

100 00 

$1,249,596 08 



Total liabilities and surplus, ...... 

Risks and Premiums. 

^179,952,707 00 
153,172,276 00 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 



Total, . . . 

Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Net amount in force, 
Perpetual risks in force (not included above), 



$333,124,983 00 
133,857,090 00 

$199,267,893 00 
17,370,134 00 

$181,897,759 00 
$1,227,066 00 



1,069,652 49 
$2,319,248 57 

Premiums. 

$2,101,145 14 
1,772,999 12 

$3,874,144 26 
1,620,938 36 

$2,253,205 90 
207,914 57 

$2,045,291 33 

$28,737 28 



168 



CAMDEN FIRE INSURANCE ASSOCIATION. 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Stock dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year, 
Par value of company's stock owned by directors, 



Schedule A. Securities held as Collateral. 



$7,979,269 91 

3,909,415 02 

535,025 73 

52,865 00 

664,744 38 

40,000 00 

83,275 00 



100 shares Central Trust Co 
110 



Camden, N. J., 
Central Trust Co., Camden, N. J., 
Security Trust Co., Camden, N. J., 
Security Trust Co., Camden, N. J., 
Security Trust Co., Camden, N. J., 
Central Trust Co., Camden, N. J., 
Camden Horse R.R. Co., N. J., 
Camden Horse R.R. Co., . 
Gloucester Turnpike Co., . 

Ocean Citv Electric Co. 6s, 1913, 1st . 
10 shares United N. J. R.R. & Canal Co., 

Bethlehem Steel Co. 1st 5s, 1926, 

Philadelphia Electric Co. trust certificate 4s, 1950, 

200 shares United States Steel Corp., 
50 " Union Traction Co. of Philadelphia, 



10 

5 

5 

140 

100 

250 

80 



Company's 

Market Value. 

$8,000 00 

8,800 00 

2,250 00 

1,125 00 

1,125 00 

11,200 00 

14,000 00 

35,000 00 

9,000 00 

2,000 00 

2,520 00 

8,900 00 

3,750 00 

1S,000 00 

2,650 00 J 

$128,320 00 



Loaned 
Thereon. 

$5,000 00 
5,500 00 
1,000 00 
600 00 
500 00 
6,000 00 
1,700 00 

24,000 00 
5,805 00 
1,000 00 
1,000 00 

25,000 00 



$77,105 00 



Schedule B. Stocks and Bonds owned by the Company. 



Railroad Stocks. Book Value. 

500 shares Camden Horse, .... $69,510 00 

100 " Philadelphia, Gormantown & Nor., . 16,900 00 

650 " United N. J. R.R. & Canal, . . 164,650 75 

500 " West Jersey & Seashore, . . . 28,222 65 
Bank Stocks. 

16 shares Girard Trust Co., .... 7,960 00 
Miscellaneous Stocks. 

9 shares General Adjustment Bureau of N. Y., 450 00 

64 " Morris Canal & Banking Co., pref., . 11,356 50 

400 " Philadelphia & Camden Ferry Co., . 53,725 00 

County and Municipal Bonds. 

Atlantic Citv, N. J., 4^s, 1928, .... 40,892 80 

Bridgeton, N. J., 4s, 1927, .... 5,290 00 

Camden City, N. J., 4£s, 1937, .... 51,525 00 

Camden City, N. J., 4s, 1911, .... 6,043 00 

Camden Countv, N. J., 4s, 1944, . . . 107,500 00 

Collingswood, N. J., School 4s, 1910-13, . . 2,000 00 

Collingswood, N. J., School 4s, 1914-26, . . 6,500 00 

Collingswood, N. J., School 4s, 1927-52, . . 13,000 00 

Collingswood, N. J., School 4s, 1953-59, . . 3,500 00 

Duluth, Minn., 5s, 1926, 5,800 00 

Gloucester, N. J., 4s, 1915, .... 50,000 00 

Haddonfield. N. J., School 4^s, 1942-43, . .1 inIU79n 

Haddonfield, N. J., School 4|s, 1944-46, . . / 1U > 04U zu 

Jersey City, N. J., 4s, 1932, .... 5,100 00 

Jersey City, N. J., 7s, 1913, .... 16,788 30 

Merciiantville, N. J., School 4*s, 1922, . . 18,000 00 

Ocean City, N. J., 4s, 1932, .... 7,000 00 

Ocean City, N. J., School 4$e, 1920, . . . 38,288 80 
Railroad Bonds. 

Atlantic City 5s, 1919 3,390 00 

Atlantic City 4s, 1951, 24,750 00 

Atlantic Coast Line note, 5s. 1910, . . . 945 00 

Bridgeton & Millville Traction Co. 1st 5s, 1930, . 10,500 00 

Camden & Atlantic 5s, 1911, . . . . 1,018 75 



Rate. 

550 

300 

250 

110 

885 

100 
175 
300 

105 

101 

108 

100 

100 

100 

99 

98 

97 

109 

98 

104 

105 

102 

110 

102 

96 

102 

106 
95 
100 
101 
100 



Market Value. 

$68,750 00 

15,000 00 

162,500 00 

27,500 00 

14,160 00 

450 00 
11,200 00 
60,000 00 

42,000 00 
5,050 00 

54,000 00 

6,000 00 

100,000 00 

2,000 00 

6,435 00 

12,740 00 
3,395 00 
5,450 00 

49,000 00 
4,160 00 
6,300 00 
5,100 00 

16,500 00 

18,360 00 
6,720 00 

38,760 00 

3,180 00 
23,750 00 

1,000 00 
10,100 00 

1,000 00 



THE CAPITAL FIRE INSURANCE CO, 



169 



Camden & Suburban 1st 5s, 1946, 

Camden & Suburban 5s, 1910-11, 

Camden Horse 1st 5s, 1912, 

Citizens' Street 1st 6s, 1927, . 

Consolidated Traction, N. J., 5s, 1933, 

Iron Mountain Car Trust 5s, 1911-12, 

Jersey City, Hoboken & Paterson 1st 4s, 1949, 

Lehigh Valley 5s, 1941, . 

Midland of N. J., 1st 6s, 1910, . 

Newark Passenger 1st 5s, 1930, 

N. J. & Hudson River Rv. & Ferry 1st 4s, 1950, 

N. Y., Lake Erie & W. Docks & Imp. 1st 6s, 1913 

North Hudson County 6s, 1914, 

Paterson 6s, 1931, ..... 

Seaboard Air Line Ry. equip. 5s, 1911-13, . 

So. Jer. Gas, Elec. & Trac. Co. 1st 5s, 1953, 

Trenton Gas & Electric Co. 1st 5s, 1949, 

Trenton Passenger 1st 6s, 1931, 

West Jersejr & Seashore 1st 3^s, 1936, 

Miscellaneous Bonds. 
Hoboken Ferry Co. 1st 5s, 1946, 
Hudson Co. Gas Co. 1st 5s, 1949, 
Newark Con. Gas Co. 5s, 1948, . 
Paterson & Passaic Gas & El. Co. 5s, 1949, 



Book Value. 


Rate. 


Market Value. 


$42,236 


25 


105 


$42,000 00 


10,000 


00 


100 


10,000 00 


22,142 


50 


100 


21,000 00 


2,100 


00 


103 


2,060 00 


91,537 


50 


106 


90,100 00 


7,183 


50 


100 


7,000 00 


23,895 


00 


79 


23,700 00 


24,400 


00 


115 


24,150 00 


5,081 


10 


101 


5,050 00 


39,968 


75 


109 


38,150 00 


8,300 


00 


82 


8,200 00 


18,900 


00 


104 


18,720 00 


3,202 


50 


105 


3,150 00 


24,133 


60 


119 


23,800 00 


23,000 


00 


100 


23,000 00 


50,562 


50 


100 


50,000 00 


11,660 


00 


105 


11,550 00 


29,564 


00 


115 


28,750 00 


9,600 


00 


94 


9,400 00 


25,880 


00 


107 


26,750 00 


26,812 


50 


104 


26,000 00 


10,750 


00 


107 


10,700 00 


14,735 


00 


102 


14,280 00 


$1,306,798 


45 


$1,298,070 00 



THE CAPITAL FIRE INSURANCE COMPANY OF CONCORD, N. H., 

CONCORD, N. H. 

Incorporated March 10, 1886. Commenced business March 19, 1886. 

Paid-up Capital, $200,000. 

LYMAN JACKMAN, President. RUFUS N. ELWELL, Secretary. 

Home Office, 2 South Main Street. 

Income. 

Net fire premiums, ........ 

Gross interest on mortgages, $4,537.99; collaterals, $878.08; 
stocks and bonds, $23,116.22; bank deposits, $448.24; dis- 
count on losses, $1,079.12; gross rents, $6,655.85, . 

Gross profit on sale or maturity of ledger assets, 

Borrowed money, ......... 



$464,140 13 



36,715 50 

4,195 42 

26,000 00 



Total income, 
Ledger assets, Dec. 31, 1908, 

Total, . 



$531,051 05 
763,088 91 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, .... 

Commissions or brokerage, .... 

Agency expenses, ...... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, . 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, . . . . 



$1,294,139 96 


$262,921 


35 


2,807 


79 


7,700 00 


111,060 


99 


1,253 


57 


15,265 


93 


20,336 


87 


1,272 


14 


3,148 


40 


1,237 


89 


208 


91 


191 


83 



170 



THE CAPITAL FIRE INSURANCE CO. 



Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross loss on sale of bonds, 

Gross decrease in book value of stocks, 

Borrowed money repaid, 

Interest on borrowed money, 

Agents' balances charged off, 

All other disbursements, 

Total disbursements, 

Balance, 

Ledger Assets. 
Book value of real estate, 
Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), 
Cash in office, ..... 
Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, ..... 

Xox-Ledger Assets. 

Interest due and accrued on: — 
Mortgages, $1,296.23; bonds, $3,318.22; collateral loans, $115.48 

other assets, $331.19, .... 

Rents due and accrued on company's property, 
Market value of stocks and bonds over book value, 
Due from other companies, .... 

Gross assets, ...... 

Assets not admitted. 
Book value of real estate over market value, .... 

Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $1,075 resisted, $65,620.27; less rein- 
surance, $9,118.53, ..... 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, . 

Cash capital, $200,000 00 

Surplus over all liabilities, .... 167,906 30 

Surplus to policy holders, 

Total liabilities and surplus, 



$308 60 
2,268 23 
4,271 85 

202 00 
2,106 93 
1,065 32 
4,947 02 
2,767 10 
3,061 12 
2,400 00 

200 00 

26,000 00 

53 63 

39 20 

484 38 

$477,581 05 
$816,558 91 



$89,207 27 
87,532 55 
15,700 00 

516,495 26 

7,750 04 

21,041 38 

11,655 84 

67,176 57 

$816,558 91 



5,061 12 

532 83 

18,906 74 

619 59 

$841,679 19 



2,007 27 
$839,671 92 



$56,501 74 

394,499 69 

10,264 19 

10,500 00 

$471,765 62 



367,906 30 

$839,671 92 



THE CAPITAL FIRE INSURANCE CO. 



171 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

$65,944,720 00 
53,150,617 00 



Premiums. 

$772,477 27 
640,910 50 



$119,095,337 00 $1,413,387 77 
45,598,244 00 555,116 24 



$73,497,093 00 
7,613,872 00 



$858,271 53 
96,572 24 



$65,883,221 00 $761,699 29 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (3.85 per cent.), 

Par value of company's stock owned by directors, 



$4,876,124 43 

2,703,677 11 

167,314 00 

286,037 22 

7,700 00 

40,700 00 



Schedule A. Securities held as Collateral. 

Company's 
Market Value. 
$1,300 00 
2,000 00 
6,000 00 
1,503 00 
1,968 00 
6,370 00 
1,800 00 
1,000 00 
900 00 

$22,841 00 



10 shares National Bank of Lebanon, N. H., 

10 " Iowa Loan & Trust Co., Des Moines, la., 

100 " Page Belting Co., Concord, N. H., 

9 " Concord & Montreal R.R. Class 4, 

12 " Concord & Montreal R.R. Class 1, 

Mallory Steamship Co. 1st 5s, 1932, . 

St. Paul & Des Moines Ry. 4£s, 1936, 

Elkhart Gas Co. 1st 5s, 1924, . 

Metropolitan Steamship Co. 1st 5s, 1930, 



Loaned 
Thereon. 

$1,700 00 
3,000 00 
3,000 00 

8,000 00 



$15,700 00 



Schedule B. Stocks and Bonds owned by the Company. 



25 
60 
25 
30 
20 
20 
20 
25 
44 
58 
10 
20 
40 
225 
25 

5 

75 

10 

118 

10 
40 
30 
115 
64 



Railroad Stocks. 

shares Atchison; Topeka & Santa Fe, . 
" Atchison, Top. & Santa Fe, pref., 
" Boston & Maine, 
" Ch. June. R.R. & U. St. Yds., pref., 
" Chicago, Mil. & St. Paul, . 
" Chicago Northwestern, 
" Concord & Montreal, Class 4, 
" Conn. R.R. & Lighting Co., 
" Great Northern, preferred, 
" Illinois Central, 
" Manhattan Elevated, 
" Massachusetts Electric Co., preferred, 
" New York Central & Hudson River, 
" Pennsylvania, .... 
St. Paul & Des Moines, 
Bank Stocks. 

shares First National, Concord, N. H., 

" Mechanicks National, Concord, N. H. 
" National Bank of Lebanon, N. H., 
" Nat. State Capital, Concord, N. H., 
Miscellaneous Stocks. 

shares Am. Agricul. Chemical Co., pref., 
" Am. Locomotive Co., preferred, 
" Amer. Sugar Refining Co., pref., 
" American Tel. & Tel. Co., 
" American Woolen Co., preferred, 



50 

75 
00 
10 
25 



Book Value, 
$2,703 13 
5,975 63 
3,678 12 
3,537 
2,598 
2,950 
3,011 
1,956 
5,520 00 
8,071 18 
1,396 25 
1,455 00 
4,416 25 
13,898 75 
550 00 

1,560 00 
11,330 00 

1,200 00 
27,389 00 

832 50 

3,757 50 

3,378 75 

13,322 48 

5,693 76 



Rate. 

123 

105 

149 

118 

158 

185 

167 

76 
144 
148 
141 

80 
127 
137 

25 

320 
150 
125 
235 

101 
116 

124 
143 
105 



Market Value. 

$3,075 00 
6,300 00 
3,725 00 
3,540 00 
3,160 00 
3,700 00 
3,340 00 
1,900 00 
6,336 00 
8,584 00 
1,410 00 
1,600 00 
5,080 00 

15,412 50 
625 00 

1,600 00 

11,250 00 

1,250 00 

27,730 00 

1,010 00 
4,640 00 
3,720 00 
16,445 00 
6,720 00 



172 



THE CAPITAL FIRE INSURANCE CO, 



26 shares Amoskeag Manufacturing Co., . 

. 8 " Concord Axle Co., . 

10 " Concord Electric Co., 

10 " Concord Electric Co., preferred, 

87 " Concord Real Estate Co., . 

10 " Denver Gas & Electric Co., 

20 " Federal Sugar Refining Co., pref., 

32 " General Electric Co., 

30 " Keokee Consolidated Coke Co., . 

20 " Mackay Cos., preferred, 

10 " Mackay Cos., . . . 
22 " Mergenthaler Linotype Co., 

30 " Missouri & Kansas Telephone Co., 

2 " Nashua Manufacturing Co., 

25 " Page Belting Co., 

25 " Prescott Piano Co., preferred, 

68 " Pullman Co., .... 

60 " Swift & Co., . 

5 " The Woodbury E. Hunt Co., 

30 " Underwriters I "ire Insurance Co., 

11 " United Fruit Co., 

60 " United Shoe Machinery Co., pref., 

35 " United States Steel Co., preferred, 

1 " Western Adj. & Inspec. Co., 

5 " Western Tel. & Tel. Co., preferred, 

20 " Western Union Telegraph Co., . 

County and Municipal Bonds. 

Concord, N. H., 4s, 1910, 
Concord, N. H., 3£s, 1914, 
Concord, N. H., 3*8, 1919, 
Dover, N. II., 4s, 1912, . 
Farmington, N. II., Is, 1918, . 
Hillsborough Bridge, X. II., 4s, 1917, 
Keene, N. H., 4s, 1917, . 
Keene, N. H., 3*s, 1912, . 
Littleton, N. II., 4s, 1914, 
Meredith, N. H., 4$s, 1910, 
Merrimack County, X. H., 4s, 1910, 
Montrose, Col., 4s, 1910 op. 1900, 
Nashua, X. H., 4s, 1913, . 
New Rochelle, N. Y., 5s, 1921, . 
New York, X. Y., 4s, 1936, 
Xew York, X. Y., 3+s, 1953-54, 
Xorfolk Count v, Va., 5s, 1910, 
Oneida County, X. Y., 4s, 1911, 
Portsmouth, N. H., 4s, 1916, . 
Richmond, Va., 4s, 1944, . 
White Plains, X. Y., 5£s, 1912, 

Railroad Bonds. 
Atchison, Topeka & Santa Fe con v. 4s, 1955, 
Atchison, Topeka & Santa ¥6 conv. 5s, 1917, 
Chic, Cin. & Louisville receiver's cert. 6s, 1911, 
Hudson Cos. 6s, 1911, 
Nor. Pac.-Gt. Northern joint 4s, 1921, 
Pere Marquette of Indiana 1st 4s, 1943, 
Somerset 1st 4s, 1955, 
Southern Indiana 1st 4s, 1951, . 
St. Louis & San Francisco 4s, 1951, 
St. Paul & Des Moines Us, 1936, 
Wabash equipment 4^s, 1910, . 
Wabash equipment 4^-s, 1911, . 
Wisconsin Central S. & D. Div. 1st 4s, 1936, 

Miscellaneous Bonds. 
American Locomotive Co. note, 5s, 1911-13, 
American Tel. & Tel. Co. 4s, 1929, . 
Central Loan & Land Co. 6s, 1899, 
Denver Consolidated Gas & Elec. Co. 5s, 1949, 
Eastman Car Co. 5^s, 1910, 
Elkhart Gas Co. 1st 5s, 1924, . 
Indiana Syndicate collateral trust 5s. 1911, 
Keene Gas & Electric Co. 5s, 1935, 
Keokee Consolidated Coke Co. 5s, 1959, 



Book Value. 


Rate. 


Market Value. 


$5,115 00 


308 


$8,008 00 


896 00 


125 


1,000 00 


1,068 50 


100 


1,000 00 


1,200 00 


112 


1,120 00 


8,700 00 


75 


6,525 00 


- 


148 


1,480 ()() 


1,702 50 


89 


1,780 00 


4,522 10 


161 


5,152 00 


450 00 


15 


450 00 


1,432 50 


78 


1,560 00 


710 00 


92 


920 00 


3,890 00 


214 


4,708 00 


3,075 00 


34 


1,020 00 


1,162 50 


115 


1,150 00 


1,250 00 


123 


1,537 50 


2,500 00 


50 


1,250 00 


7,764 31 


190 


12,920 00 


6,232 50 


111 


6,600 00 


500 00 


100 


500 00 


4,800 00 


160 


4,800 00 


1,441 25 


170 


1,870 00 


1,913 75 


124 


1,860 00 


3,513 12 


125 


4,375 00 


140 00 


100 


100 00 


498 13 


93 


105 00 


1,787 50 


78 


1,560 00 


1,000 00 


100 


1,000 00 


1,466 25 


99 


1,485 oo 


946 20 


98 


980 00 


2,002 50 


100 


2,000 00 


5,000 00 


100 


5,000 00 


1,000 00 


100 


1,000 00 


2,014 40 


100 


2,000 00 


987 50 


99 


990 00 


1,000 00 


100 


1,000 00 


500 00 


100 


500 00 


1,000 00 


100 


1,000 00 


800 00 


100 


800 00 


1,005 00 


100 


1,000 00 


3,280 50 


109 


3,270 00 


40,800 00 


100 


40,000 00 


54,107 50 


90 


51,300 00 


1,000 00 


100 


1,000 00 


3,000 00 


100 


3,000 00 


500 00 


. 100 


500 00 


10,012 50 


101 


10,100 00 


5,200 00 


103 


5,150 00 


1,040 00 


123 


1,230 00 


1,000 00 


123 


1,230 00 


2,005 00 


100 


2,000 00 


8,025 00 


100 


8,000 00 


7,705 00 


97 


7.700 00 


1,900 00 


85 


1,700 00 


960 00 


95 


950 00 


4,625 00 


78 


3,900 00 


1,775 00 


85 


1,700 00 


8,500 00 


93 


9,300 00 


1,986 00 


100 


2,000 00 


2,972 10 


99 


2,970 00 


8,650 00 


92 


9,200 00 


18,718 75 


100 


19,000 00 


1,930 00 


93 


1,860 00 


1,010 00 


25 


252 50 


7,190 00 


95 


7,600 00 


2,500 00 


100 


2,500 00 


2,970 00 


97 


2,910 00 


9,725 00 


100 


10,000 00 


5.925 00 


105 


6,300 00 


2,550 00 


87 


2.610 00 



THE CENTRAL MANUFACTURERS' MUTUAL INSURANCE CO. 173 



Metropolitan Steamship Co. 1st 5s, 1930, 

Nebraska Loan & Trust Co. 6s, 1899, 

New York & Pennsylvania Tel. Co. 4s, 1929, 

Nipe Bav Co. 6s, 1914, 

Page Belting Co. note, 5£s, 1910, 

St. Clair Furnace Co. 1st 5s, 1924, 

United Fruit Co. 5s, 1917, 

United States Steel Corp. 5s, 1963, 

Western Tel. & Tel. Co. col. trust 5s, 1932, 

West. Union Telegraph Co. 4^s, 1950, 

West. Elec. & Mfg. Co. note, 6s, 1910, 

Wood Worsted Mills note, 4^s, 1910, 



Book Value. 


Rate. 


Market Value. 


$5,100 00 


85 


$4,250 00 


115 00 


10 


11 50 


2,745 00 


94 


2,820 00 


5,000 00 


100 


5,000 00 


15,000 00 


100 


15,000 00 


4,987 50 


102 


5,100 00 


8,742 00 


100 


10,000 00 


9,068 75 


105 


10,500 00 


1,922 50 


98 


1,960 00 


7,315 00 


97 


6,790 00 


9,893 75 


100 


10,000 00 


9,875 00 


100 


10,000 00 


$516,495 26 


$535,402 00 



THE CENTRAL MANUFACTURERS' MUTUAL INSURANCE COMPANY, 

VAN WERT, OHIO. 

Incorporated April 7, 1876. Commenced business Oct. 2, 1876. 
H. V. OLNEY, President. C. A. L. PURMORT, Secretary. 

Office, 122 West Main Street. 

Income. 

Net premiums, ......... 

Gross interest on mortgages, $5,024.09; bonds, $7,883.13; all 
other, $585.79; gross rents, including $1,200 for company's 
own occupancy, $2,661, ....... 

Total income, . . . 

Ledger assets, Dec. 31, 1908, ....... 

Total, 



$358,641 74 

16,154 01 

$374,795 75 
390,945 69 



Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 
Commissions or brokerage, 
Salaries and expenses of special agents, 
Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, .... 
Furniture and fixtures, . 
Maps, including corrections, . 
Underwriters' boards and tariff associations, 
Fire department, patrol and salvage corps fees and taxes 
Inspections and surveys, 
Repairs and expenses on real estate, 
Taxes on real estate, .... 
State taxes on premiums, 
Insurance department licenses and fees, . 
Other licenses, fees and taxes, 
Gross decrease in book value of real estate, 
Premium on bonds purchased, 
All other disbursements, 

Total disbursements, 

Balance, . . ... 



$765,741 44 



$143,732 74 

1,362 59 

62,592 72 

35,909 44 

6,893 61 

14,943 19 

1,200 

982 

1,183 

644 

1,109 

280 

37 

201 

11,649 97 

85 05 

407 04 

2,544 82 

623 50 

1,974 59 

6,023 25 

1,233 50 

1,955 71 



00 
67 
38 
46 
79 
50 
34 
60 



$297,571 46 
$468,169 98 



174 THE CENTRAL MANUFACTURERS' MUTUAL INSURANCE CO. 



Ledger Assets. 
Book value of real estate, ..... 

Mortgage loans on real estate, .... 

Book value of bonds (schedule A) , . 

Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Agents' balances, ....... 

Total ledger assets, ..... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $1,447.92; bonds, $2,522.19, . 
Market value of bonds over book value, . 



Gross assets, 



Liabilities. 



Unpaid losses, including $7,500 resisted, . 
Unearned premiums on outstanding risks, 
State, county and municipal taxes, due or accrued, 

Total, 

Surplus to policy holders, .... 

Total liabilities and surplus, 



$40,000 00 
92,430 00 

260,800 00 

4,089 85 

26,751 62 

44,098 51 

$468,169 98 



3,970 11 
6,016 00 

$478,156 09 



$18,928 75 

165,652 92 

2,500 00 

$187,081 67 
291,074 42 

$478,156 09 



In force Dec. 31, 1908, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. Cash Prem's. Conting't Prem's. 

. $21,344,758 00 $325,191 30 $1,079,005 16 

. 28,474,914 00 421,153 85 1,363,054 12 



$49,819,672 00 
26,681,719 00 



$746,345 15 $2,442,059 28 
413,700 82 1,361,873 43 



$23,137,953 00 $332,644 33 $1,080,185 85 



Miscellaneous. 

Net premiums received from organization of company, . . $3,400,111 64 

Net losses paid from organization of company, . . . 1,688,269 11 

Cash dividends paid policy holders from organization of company, 479,559 81 

Losses incurred during the year, ...... 146,457 46 

Dividends to policy holders during 1909, 25 per cent. 

Schedule A. Bonds owned by the Company. 

Government Bonds 
United States 2s, 1930, . 
United States 3s, 1918, . 

County and Municipal Bonds. 
Akron, O., 4s, 1923, 
Barnesville, O., 5s, 1918-19, 
Barnesville, O., 5s, 1920, . 
Barnesville, O., 5s, 1935-37, 
Barnesville, O., 5s, 1938-41, 
Barnesville, O., 5s. 1942-44, 
Canton, O., School 4s, 1928, 
Cincinnati, O., School 4s, 1949, 
Columbus, O., 4s, 1919, 
Cuyahoga County, 4s. 1922, 
Cuyahoga County 4s, 1928, 



Book Value. 


Rate. 


Market Value. 


§50,000 00 


102 


$51,000 00 


1,800 00 


102 


1,836 00 


16,000 00 


101 


16,160 00 


2,000 00 


106 


2,120 00 


1,000 00 


107 


1,070 00 


3.000 00 


114 


3,420 00 


4,000 00 


115 


4,600 00 


2,500 00 


116 


2.900 00 


23,000 00 


102 


23,460 00 


10,000 00 


104 


10,400 00 


20,000 00 


101 


20,200 00 


10,000 00 


101 


10,100 00 


15,000 00 


102 


15.300 00 



CITIZENS INSURANCE CO. 



175 



Fostoria, O., 4s, 1925, 

Maumee. O., 4£s, 1937, . 

New Lexington, O., 4s, 1910-23, 

Trov, O.. 4s. 1920-26, 

Union City, O.. School 4s, 1916-24, 

Van Wert Countv, O.. Harrison Tp., 4s, 1911, 

Van Wert Countv. O., Harrison Tp., 4s, 1920. 

Van Wert Countv, O., Harrison Tp., 4s, 1926, 

Van Wert County, O., York Tp., 4s, 1918-24-25, 

Van Wert Countv, O., York Tp., 4s, 1926-29, 

Wellsville, O., 4£s, 1925-28, 

Wellsville, O., 4£s, 1929-31, 



Book Value. 


Rate. 


Market Value. 


$8,000 00 


100 


$8,000 00 


9,000 00 


104 


9,360 00 


7,000 00 


100 


7,000 00 


19,500 00 


100 


19,500 00 


18,000 00 


100 


18,000 00 


2,500 00 


100 


2,500 00 


3,000 00 


101 


3,030 00 


2,000 00 


102 


2,040 00 


8,500 00 


101 


8,585 00 


8,500 00 


102 


8,670 00 


9,000 00 


106 


9,540 00 


7,500 00 


107 


8,025 00 


$260,800 00 


$266,816 00 



CITIZENS' INSURANCE COMPANY OF MISSOURI, ST. LOUIS, MO. 

Incorporated Feb. 2, 1837. Commenced business February, 1837. 

Paid-up Capital, $200,000. 

CHARLES E. CHASE, President. THOMAS H. SCOTLAND, Secretary. 

Home Office, 1101 Pierce Building. 

Income. 

Net fire premiums, $562,722.79; marine, $57.71, . . . $562,780 50 
Gross interest on mortgages, $5,246.35; stocks and bonds, 

$22,203.62; bank deposits, $1,195.13, 28,645 10 

Gross profit on sale of real estate, . . . . . . . 251 88 

Total income, ....... 

Ledger assets, Dec. 31, 1908, ...... 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 

Expenses of adjustment and settlement of losses, 

Dividends to stockholders, 

Commissions or brokerage, 

Salaries and expenses of special and general agents, 

Salaries, fees, etc., of officers and employees, 

Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ..... 

Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes 

Inspections and surveys, 

Taxes on real estate, .... 

State taxes on premiums, 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Agents' balances charged off, . 

All other disbursements, 

Total disbursements, . 

Balance, ..... 



$591,677 48 


811,439 


24 


$1,403,116 72 


$316,489 59 


4,821 


98 


16,000 00 


96,627 


67 


48,722 


45 


20,445 


32 


3,096 


30 


4,211 


33 


6,722 


71 


381 


89 


447 


15 


1,922 


54 


6,146 


35 


1,400 22 


3,724 


16 


2 


22 


13,070 37 


4,849 


25 


2,728 


60 


103 


75 


927 


23 


$552,841 


08 



$850,275 64 



176 



CITIZENS INSURANCE CO. 



Ledger Assets. 
Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, ..... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $1,559; bonds, $7,980; other assets, $329.41, 
Due from other companies, ..... 



Gross assets, ......... 

Assets not admitted. 

Agents' balances over three months due, . . $526 92 

Book value of stocks and bonds over market value, . 8,383 75 



Admitted assets, ........ 

Liabilities. 
Unpaid losses, including $15,650 resisted, $139,174.86; less re- 
insurance, $100,752.18, 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 



Total, 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, .... 

Total liabilities and surplus, 

Risks and Premiums. 



$200,000 00 
187,701 83 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, . 

Total, 

Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 

Marine risks written during the year, 
Expired and terminated, 



Risks. 

$213,312,401 00 
194,354,946 00 

$407,667,347 00 
178,765,988 00 

$228,901,359 00 
165,077,957 00 



$77,200 00 

524,823 75 

1,957 85 

9,650 67 

138,922 64 

97,720 73 

$850,275 64 



9,868 41 
789 72 

$860,933 77 



8,910 67 
$852,023 10 

$38,422 68 

418,359 38 

1,989 21 

5,550 00 

$464,321 27 

387,701 83 
$852,023 10 



Premiums. 

$2,800,488 51 
2,432,619 39 

$5,233,107 90 
2,326,429 93 

$2,906,677 97 
2,102,022 27 



$63,823,402 00 $804,655 70 



$34,956 00 
34,956 00 



8173 11 
173 11 



CITY OF NEW YORK INSURANCE CO. 



177 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (8 per cent.), 

Par value of company's stock owned by directors, 



$11,020,736 50 

6,358,270 90 

1,017,798 00 

165,000 00 

318,898 02 

16,000 00 

199,800 00 



Schedule A. Stocks and Bonds owned by the Company. 



Miscellaneous Stocks. 
1 share General Adjust. Bureau, New York, 
1 " Southern Adjust. Bureau, Atlanta, Ga., 
5 shares Underwriters' Sal. Co., Chicago, 
1 share Western Adj. & Inspec. Co., Chicago, 

State and Municipal Bonds. 
Georgia 3$s, 1918, . 
St. Louis 4s, 1928, .... 
Virginia 3s, 1992, .... 

Railroad Bonds. 
Atlantic Coast Line 4s, 1952, 
Baltimore & Ohio (S. W. Div.) 3£s, 1925, 
Brooklyn Union Elevated 5s, 1950, 
Chesapeake & Ohio 1st cons. 5s, 1939, 
Elgin, Joliet & E. 5s, 1941, 
International & Great Northern 5s, 1919, 
Iowa Central 5s, 1938, 

Louisville, Henderson & St. Louis 5s, 1946, 
Missouri Pacific 1st cons. 6s, 1920, 
Southern (Memphis Div.) 5s, 1996, . 



Book Value. 

$50 00 

50 00 

500 00 

125 00 

9,900 00 

108,581 25 

9,765 00 

24,000 00 
67,875 00 
50,500 00 
47,500 00 
28,500 00 
57,765 00 
28,656 25 
37,187 50 
17,475 00 
36,393 75 

$524,823 75 



Rate. 
100 
100 
75 
100 

100 

101 

93 

96 
90 
103 
114 
113 
110 
107 
110 
111 
110 



Market Value. 

$50 00 

50 00 

375 00 

100 00 

10,000 00 

106,050 00 

9,765 00 

24,000 00 
67,500 00 
51,500 00 
45,600 00 
28,250 00 
52,800 00 
26,750 00 
38,500 00 
16,650 00 
38,500 00 

$516,440 00 



CITY OF NEW YORK INSURANCE COMPANY, NEW YORK, N. Y. 

Incorporated April, 1905. Commenced business April 12, 1905. 

Paid-up Capital, $500,000. 

MAJOR A. WHITE, President. J. CARROLL FRENCH, Secretary. 

Home Office, 1$ Cedar Street, 

Income. 

Net fire premiums, $389,454 70 

Gross interest on stocks and bonds, $22,703.52; bank deposits, 

$503.58; all other, $221.46, 23,428 56 

Gross profit on sale of stocks, ...... 385 50 

Agents' balances previously charged off, . . . . . 3 67 

Premium on increase in capital, . . . . . . . 300,000 00 



Total income, ....... 

Ledger assets, Dec. 31, 1908, plus $300,000 increase in capital, 

Total, 

Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ...... 

Commissions or brokerage, 



$713,272 43 
1,082,015 36 

$1,795,287 79 



$178,445 82 

3,828 04 

15,000 00 

71,574 77 



178 



CITY OF NEW YORK INSURANCE CO. 



Salaries and expenses of special and general agents, . 
Salaries, fees, etc., of officers and employees, . . , 

Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Gross loss on sale of stocks and bonds, 

Agents' balances charged off, .... 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 



Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on bonds, .... 
Market value of stocks and bonds over book value, 
Due from other companies, .... 

Gross assets, ...... 

Assets not admitted. 
Agents' balances over three months due, 

Admitted assets, ..... 

Liabilities. 

Unpaid losses, including $4,750 resisted, $42,759 

surance, $10,781, ..... 
Unearned premiums on outstanding risks, 
Dividends due stockholders, . 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Due for reinsurance, ..... 

Total, 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, .... 



$11,412 65 

40,179 69 

5,752 90 

4,880 39 

4,386 60 

474 43 

801 96 

3,834 36 

2,863 }74 

• 2,902 78 

1,132 89 

6,341 42 

3,299 52 

887 88 

17,622 50 

82 25 

3,705 43 

$379,410 02 

$1,415,877 77 



$679,461 63 

438 40 

639,542 45 

96,435 29 

$1,415,877 77 



3,145 83 

12,163 37 

6,390 20 

$1,437,577 17 



1,204 11 
$1,436,373 06 



less rein- 



$500,000 00 
557,279 93 



Total liabilities and surplus, 



$31,978 00 

320,823 21 

5,000 00 

500 00 

2,500 00 

18,291 92 

$379,093 13 



1,057,279 93 
$1,436,373 06 



THE COLONIAL ASSURANCE CO. 



179 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, ... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$73,289,839 00 
70,591,911 00 



Premiums. 

$688,949 25 
678,158 51 



$143,881,750 00 $1,367,107 76 
59,457,613 00 559,543 13 



$84,424,137 00 
22,759,334 00 



$807,564 63 
205,128 66 



$61,664,803 00 $602,435 97 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year, 

Par value of company's stock owned by directors, 



$1,494,918 28 

622,160 80 

20,000 00 

163,842 92 

20,000 00 

73,500 00 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
400 shares Baltimore & Ohio, 
100 " Chicago, Milwaukee & St. Paul, 
100 " Delaware & Hudson, 
300 " Erie 1st preferred, . 
300 " Great Northern, preferred, 
100 " Gt. Nor. Iron Ore certificates, 
200 " Louisville & Nashville, 
100 " Manhattan, New York, N. Y., 
500 " Northern Pacific, 
450 " Pennsylvania, . 
100 " Union Pacific, . 

Miscellaneous Stocks. 
450 shares Cons. Gas Co., New York , N. Y., 
500 " Maiden Lane & William St. Co., N. Y., 

State and Municipal Bonds. 
N. Y. State Canal Improve. Loan 3s, 1959, 
New York, N. Y., 3*s, 1954, . . . . 

Railroad Bonds. 
Atch., Topeka & Santa Fe conv. 5s, 1917, . 
Southern Pacific convertible 4s, 1929, 



Book Value. 
$45,002 88 
9,712 50 
18,412 50 
21,625 00 
52,565 00 

29,075 00 
16,662 50 
62,880 00 
29,525 00 
14,387 50 

76,618 75 
50,000 00 

205,260 00 
25,562 50 

11,697 50 
10,475 00 

$679,461 63 



Rate. 
118 
158 
185 

51 
144 

81 
158 
141 
146 
137 
206 

160 
100 

103 
90 

123 
106 



Market Value. 
$47,200 00 
15,800 00 
18,500 00 
15,300 00 
43,200 00 
8,100 00 
31,600 00 
14,100 00 
73,000 00 
30,825 00 
20,600 00 

72,000 00 
50,000 00 

206,000 00 
22,500 00 

12,300 00 
10,600 00 

$691,625 00 



LEO H. WISE, President. 



THE COLONIAL ASSURANCE COMPANY OF THE CITY OF NEW 

YORK, NEW YORK, N. Y. 

Incorporated June 15, 1896. Commenced business July 15, 1896. 
Paid-up Capital, $200,000. 

Home Office, 1±5 Cedar Street. 

Income. 
Net fire premiums, ........ 

Gross interest on bonds, $10,533.33; bank deposits, $2,189.50, 
Gross profit on maturity of bonds, ...... 

Total income, ........ 

Ledger assets, Dec. 31, 1908, 

Total, $387,623 31 



E. E. HALL, Secretary. 



$61,159^88 

12,722 83 

12 50 



$73,895 21 
313,728 10 



180 



THE COLONIAL ASSURANCE CO. 



Disbursements. 

Net amount paid policy holders for fire losses, . 

Expenses of adjustment and settlement of losses, 

Commissions or brokerage, 

Salaries, fees, etc., of officers and employees, 

Legal expenses, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, 

All other disbursements, 

Total disbursements, 

Balance, 

Ledger Assets. 
Book value of bonds (schedule A), . 
Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ........ 

Total ledger assets, ...... 

Non-Ledger Assets. 
Interest accrued on bonds, ...... 

Gross asset 5 ....... 

Assets not admitted. 
Book value of bonds over market value, . 

Admitted assets, ....... 

Liabilities. 

Unpaid losses, including $3,810 resisted, . 

Unearned premiums on outstanding risks, 

State, county and municipal taxes, due or accrued, . 

Due for return premiums, $1,304.58; reinsurance, $353.62, 

Total, 



Cash capital, 

Surplus over all liabilities, 

Surplus to policy holders, 

Total liabilities and surplus, 

Risks and Premiums. 



$200,000 00 
94,356 09 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . . 



Risks. 

$7,199,069 00 
11,243,164 00 

$18,442,233 00 
9,837,402 00 

$8,604,831 00 
350,341 00 



$17,775 73 

751 12 

22,710 73 

3,730 00 

432 68 

662 62 

572 11 

114 08 

792 38 

1,072 29 

96 18 

$48,709 92 

$338,913 39 



$303,525 00 

902 90 

28,318 77 

6,166 72 

$338,913 39 



1,566 66 
$340,480 05 



5,525 00 
$334,955 05 



$4,725 00 

33,215 76 

1,000 00 

1,658 20 

$40,598 96 



294,356 09 
^334,955 05 



Premiums. 

$51,937 39 

78,453 70 

$130,391 09 

70,972 64 

$59,418 45 

2,385 03 



5,254,490 00 $57,033 42 



COLUMBIA INSURANCE CO. 



181 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Par value of company's stock owned by directors, 

Schedule A. Bonds owned by the Company 



$4,862,361 88 

3,243,409 42 

94,000 00 

7,605 92 

103,050 00 



Government Bonds. 
United States (Philippine Islands) 4s, 1935, 
United States (Philippine Islands) 4s, 1934, 

Municipal Bonds. 
New York, N. Y., 4s, 1959, 



Book Value. 

$108,000 00 

135,000 00 

60,525 00 
$303,525 00 



Rate. 

108 

104 

100 



Market Value. 

$108,000 00 

130,000 00 

60,000 00 
$298,000 00 



COLUMBIA INSURANCE COMPANY, JERSEY CITY, N. J. 

Incorporated March 21, 1901. Commenced business March 21, 1901. 

Paid-up Capital, $400,000. 
GEO. F. CRANE, President. C. E. DEAN, Secretary. 

Home Office, 15 Exchange Place. 

Income. 
Net marine premiums, ....... 

Gross interest on bonds, $21,968.06; bank deposits, $1,470.34, 

Total income, ....... 

Ledger assets, Dec. 31, 1908, ...... 

Total, 

Disbursements. 

Net amount paid policy holders for marine losses, 
Commissions or brokerage, .... 

Agency expenses, ...... 

Expenses of special and general agents, . 
Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Underwriters' boards and tariff associations, '. 
Inspections and surveys, .... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 
Gross decrease in book value of bonds, 
Agents' balances charged off, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 

Book value of bonds (schedule A), . . 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, $738,802 36 



$242,068 43 
23,438 40 

$265,506 83 
676,514 22 

$942,021 05 



$110,766 03 

57,564 95 

1,486 69 

5,724 83 

13,380 43 

1,598 10 

2,034 83 

691 57 

57 13 

239 91 

922 29 

263 68 

5,276 81 

1,336 53 

1,641 40 

233 51 

$203,218 69 

$738,802 36 



$632,275 35 
69,887 73 
36,639 28 



182 



COLUMBIA INSURANCE CO. 



Non-Ledger Assets. 
Interest accrued on bonds, .... 

Gross assets, ...... 

Assets not admitted. 

Agents' balances over three months due, 
Book value of bonds over market value, . 
Special deposits less $6,901.18 liability thereon, 

Admitted assets, ..... 



»,255 81 



$4,676 29 
37,710 35 
22,498 82 



Liabilities. 

Unpaid losses, including $1,104.65 resisted, $6,460.49; less rein- 
surance, $2,550, ........ 

Unearned premiums on outstanding risks, .... 

Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 



Total, . . . . . . 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, .... 

Total liabilities and surplus, 

Risks and Premiums. 



$400,000 00 
172,818 80 



Marine risks in force Dec. 31, 1908, 
Marine risks written during the year, 

Total, 

Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$44,307,701 00 
103,492,348 00 



$745,058 17 



64,885 46 
$680,172 71 

$3,910 49 

97,943 42 

500 00 

5,000 00 

$107,353 91 

572,818 80 
$680,172 71 



Premiums. 

$525,887 31 
771,339 76 



$147,800,049 00 $1,297,227 07 
100,385,372 00 744,595 22 



$47,414,677 00 
31,120,160 00 



$552,631 85 
359,423 85 



$16,294,517 00 $193,208 00 



Miscellaneous. 

Net premiums received from organization of company, 
Net losses paid from organization of company, 
Marine and inland losses incurred during the year, . 
Par value of company's stock owned by directors, 

Schedule A. Bonds owned by the Company. 

State and Municipal Bonds. Book Value. Rate. 

Binghampton, N. Y., 3|s, 1937, . . . $53,344 55 92 

Buffalo, N. Y., 3£s, 1917, . . . .1 « M1 w / 98 

Buffalo, N. Y., 3£s, 1922, . . . ,] bl > ybi 6i \ 97 

Georgia 4^s, 1915, 10,500 00 105 

Jersey City, N. J., 5s, 1916, .... 108,790 21 106 

New York, N. Y., 3£s, 1940, .... 8,523 56 91 

New York, N. Y., 3£s, 1942, .... 111,724 16 91 

New York. N. Y., 3|s, 1920, .... 65,013 00 96 

Ontario debentures 3£s, 1926, .... 10,000 00 97 

Toronto Improvement debentures 3^s, 1916, . 9,608 00 97 



$1,840,388 33 

924,588 87 

105,834 41 

700 00 



Market Value. 

$46,000 00 

29,400 00 

29,100 00 

10,500 00 

106,000 00 

7,280 00 

95,095 00 

60,000 00 

9,700 00 

9,700 00 



COMMERCE INSURANCE CO. 



183 



Railroad Bonds. 
Central of New Jersey 5s, 1987, 
Chicago & Northwestern 3-Js, 1987, . 
Lehigh Valley 4£s, 1940, .... 
National of Mexico 4^-s, 1926, . 
New York Cent. & Hud. Biv. ref. 3+s, 1997, 
New York, New Haven & Hartford 4s, 1956, 
Northern Pacific 4s, 1997, 
Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 
Oregon Short Line refunding 4s, 1929, 
St. Louis, Iron Mt. & Southern 1st 4s, 1933, 

Miscellaneous Bonds. 
American Dock & Imp. 1st 5s, 1921, 



Book Value. 


Rate. 


Market Value. 


$1,248 63 


125 


$1,250 00 


13,790 00 


90 


12,600 00 


10,715 48 


107 


10,700 00 


12,000 00 


102 


12,240 00 


9,600 00 


91 


9,100 00 


28,612 50 


95 


28,500 00 


25,498 77 


103 


25,750 00 


32,443 75 


97 


33,950 00 


23,907 62 


95 


23,750 00 


18,475 00 


88 


17,600 00 


16,518 75 


109 


16,350 00 


$632,275 35 


$594,565 00 



COMMERCE INSURANCE COMPANY, ALBANY, N. Y. 

Incorporated June 1, 1859. Commenced business June 1, 1859. 
Paid-up Capital, $200,000. 
E. DARWIN JENISON, President. ADDISON J. HINMAN, Secretary. 

Home Office, 57 State Street. 

Income. 
Net fire premiums, ........ 

Gross interest on mortgages, $1,558.08; stocks and bonds, 

$18,992.96; bank deposits, $675.91; gross rents, including 

$1,600 for company's own occupancy, $9,732.62, . 
Agents' balances previous^ charged off, ..... 

Total income, .... 

Ledger assets, Dec. 31, 1908, . 



$265,447 37 



Total, 

Disbursements 

Net amount paid policy holders for fire losses, 

Expenses of adjustment and settlement of losses 

Dividends to stockholders, 

Commissions or brokerage, 

Agency expenses, ..... 

Salaries and expenses of special and general agents, 

Salaries, fees, etc., of officers and employees, 

Rents, for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, .... 

State taxes on premiums, 

Insurance department licenses and fees, . 

Gross loss on sale of stocks, . 

Total disbursements, 

Balance, ..... 



30,959 57 
271 34 

$296,678 28 
607,825 46 

$904,503 74 



$104,490 05 

2,020 46 

20,000 00 

67,199 30 

82 33 

2,636 75 

14,898 25 

1,600 00 

4,424 72 

2,420 28 

344 06 

906 92 

1,720 37 

1,794 85 

500 28 

4,290 78 

1,961 37 

5,750 90 

1,322 47 

4,937 50 

$243,301 64 

$661,202 10 



184 



COMMERCE INSURANCE CO. 



Ledger Assets. 

Book value of real estate, .... 

Mortgage loans on real estate, 

Book value of stocks and bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 



Non-Ledger Assets. 

Interest accrued on bonds, $2,682.21; other assets, $92.41, 

Rents accrued on company's property, . 

Market value of stocks and bonds over book value, . 

Gross assets, ......... 

Assets not admitted. 
Agents' balances over three months due, . 

Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $3,253.45 resisted, $17,883.78; less 
reinsurance, $1,370, ...... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for reinsurance, ...... 



$70,000 00 


29,100 00 


497,267 00 


1,026 67 


31,515 51 


32,292 92 


$661,202 10 


2,774 62 


859 33 


6,093 75 


$670,929 80 



Total, 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, .... 

Total liabilities and surplus, 

Risks and Premiums. 



$200,000 00 
229,262 09 



202 67 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$40,845,803 00 
28,635,450 00 

$69,481,253 00 
24,063,917 00 

$45,417,336 00 
3,184,023 00 



$670,727 13 

$16,513 78 

217,126 14 

1,000 00 

37 05 

6,000 00 

788 07 

$241,465 04 

429,262 09 
$670,727 13 



Premiums. 

$425,043 19 
329,670 92 

$754,714 11 
303,674 28 

$451,039 83 
33,333 60 



$42,233,313 00 $417,706 23 



COMMERCE INSURANCE CO. 



185 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (10 per cent.), 

Par value of company's stock owned by directors, 



$7,824,446 00 

4,663,820 00 

1,076,000 00 

105,931 00 

20,000 00 

49,750 00 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
100 shares Delaware & Hudson, 
250 " Pennsylvania, . . 

100 " Ronie, Watertown & Ogdensburgh, 

Bank Stocks. 
100 shares First National, Albany, N. Y., . 
50 " National Bank of Cohoes, N. Y., 
50 " National Commercial, Albany, N. Y. 
Miscellaneous Stocks. 

4 shares General Adjustment Bureau, N. Y., 
160 " Kings Co. Elec. Light & Power Co., 

50 " Municipal Gas Co., Albany, N. Y., 

5 " Underwriters' Salvage Co., N. Y., 

5 " Underwriters' Salvage Co., Chicago, 
1 " Western Adj. & Insp. Co., Chicago, 
266 " Western Union Telegraph Co., . 

County and Municipal Bonds. 
Albany County, N. Y., 3*s, 1911-12, 
Albany County, N. Y., 3£s, 1919-20, 
Albany County, N. Y., 3£s, 1922, 
Albanv County, N. Y., 4s, 1910-11-13, 
Albany County, N. Y., 4s, 1915-25, 
Albany, N. Y., 3^s, 1910-11, 
Albany, N. Y., 3£s, 1912-14, 
Albany, N. Y., 3fs, 1915-17, 
Albany, N. Y., 3is, 1918-21, 
Albany, N. Y., 3^s, 1922-24, 
Albany, N. Y., 4s, 1910-13, 
Albany, N. Y., 4s, 1914-25, 
Albany, N. Y., 4s, 1926-29, 
New York, N. Y., 3Js, 1915, 
New York, N. Y., 3^s, 1918, 
i New York, N. Y., 3is, 1928, 
New York, N. Y., 3is, 1930, 
New York, N. Y., 3^s, 1936, 
New York, N. Y., 3^s, 1953-54, 
New York, N. Y., 4s, 1950-55-56, 
Seattle, Wash., 5s, 1911, . 

Railroad Bonds. 
Buffalo and Susquehanna 4^s, 1953, . 
Central Pacific 4s, 1954, • . 

Interborough Rapid Transit 5s, 1952, 
New York, Ontario & Western 4s, 1955, 
Schenectady consolidated mortgage 4^s, 1953, 
United Traction 4^s, 2004, 
United Traction 4£s, 1919, 

Miscellaneous Bonds. 
; Albany Board of Underwriters 6s, 1914, 



Book Value. 

$19,100 00 
17,200 00 
10,000 00 

10,000 00 

5,000 00 

18,925 00 

400 00 

19,020 00 

10,000 00 

500 00 

500 00 

100 00 

23,400 00 

2,000 00 

2,000 00 

6,000 00 

3,000 00 

6,000 00 

4,075 00 

32,725 00 

1,500 00 

2,000 00 

1,500 00 
r 

45,172 00 ] 

14,250 00 
10,000 00 
50,000 00 
10,000 00 
10,000 00 
50,000 00 
28,975 00 
10,000 00 

9,150 00 
9,800 00 
10,300 00 
8,550 00 
10,000 00 
10,150 00 
14,975 00 

1,000 00 

$497,267 00 



Rate. 
185 
137 
126 

165 
205 
405 

100 
130 
273 
125 

75 
100 

78 

99 

97 

96 

100 

101 

100 

99 

98 

97 

96 

100 

101 

102 

98 

96 

94 

93 

92 

90 

100 

101 

75 

92 

104 

94 

99 

101 

100 

100 



Market Value. 

$18,500 00 

17,125 00 

12,600 00 

16,500 00 
10,250 00 
20,250 00 

400 00 

20,800 00 

13,650 00 

625 00 

375 00 

100 00 

20,748 00 

1,980 00 

1,940 00 

5,760 00 

3,000 00 

6,060 00 

4,075 00 

32,397 75 

1,470 00 

1,940 

1,440 

4,000 

17,170 

24,480 00 

13,965 00 

9,600 00 

47,000 00 

9,300 00 

9,200 00 

45,000 00 

30,000 00 

10,100 00 

7,500 00 

9,200 00 

10,400 00 

8,460 00 

9,900 00 

10,100 00 

15,000 00 

1,000 00 

$503,360 75 



00 
00 
00 
00 



186 



THE COMMERCIAL UNION FIRE INSURANCE CO. 



THE COMMERCIAL UNION FIRE INSURANCE COMPANY OF NEW 

YORK, NEW YORK, N. Y. 

Incorporated Oct. 30, 1890. Commenced business April 1, 1891. 

Paid-up Capital, $200,000. 

A. H. WRAY, President. C. J. HOLMAN, Vice-President and Secretary. 

Home Office, 58 William Street. 

Income. 

Net fire premiums, $345,234 83 

Gross interest on stocks and bonds, $21,807.40; bank deposits, 

$128.18; all other, $143.65, .... . 22,07923 

Gross profit on sale of stocks, ...... 4,539 45 



Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements. 

Net amount paid policy holders for fire losses, . 

Expenses of adjustment and settlement of losses, 

Dividends to stockholders, 

Commissions or brokerage, 

Agency expenses, ..... 

Salaries, fees, etc., of officers and employees, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ..... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Gross loss on maturity of bonds, 

Gross decrease in book value of stocks and bonds, 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, ..... 





$371,853 51 


• 


694,967 30 


$1,066,820 81 


. $125,474 75 




3,030 56 




20,000 00 




70,409 92 




4,519 05 




5,249 97 




2,516 38 




1,451 23 




110 50 




376 37 




2,814 01 




3,139^91 




1,754 64 




4,242 60 




2,947 35 




1,225 35 




!* 300 00 




4,681 46 


• 


305 99 


. $254,550 04 


. $812,270 77 


. $701,800 86 




35 79 




5,450 29 




10,193 33 




94,790 50 


. $812,270 77 



THE COMMERCIAL UNION FIEE INSURANCE CO. 



187 



Xox-Ledger Assets. 
Interest accrued on bonds, .... 

Gross assets, ...... 

Assets xot admitted. 

Agents' balances over three months due, 

Book value of stocks and bonds over market value, 

Admitted assets, ....... 

Liabilities. 

Unpaid losses, including S21,596 resisted, $46,441; less 
surance, $9,652.52, ....... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for return premiums, $182.90; reinsurance, 815,157.41, 
Reserve for contingencies, ...... 



$2,955 79 
22,568 86 



rem- 



$200,000 00 
217.162 50 



Total, 

Cash capital, ...... 

Surplus over ail liabilities, .... 

Surplus to policy holders, .... 

Total liabilities and surplus, 

Risks axd Premiums. 

Risks. Premiums. 

Fire risks in force Dec. 31, 1908, . . . $49,807,741 00 $588,676 46 



$5,122 05 
$817,392 82 



25,524 65 
$791,868 17 

$36,788 48 

277,332 14 

475 00 

9,539 74 

5,230100 

15,340 31 

30,000 00 

$374,705 67 

417,162 50 
$791,868 17 



Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Xet amount in force, 



50,056,155 00 555,910 20 



$99,863,896 00 $1,144,586 66 
40,116,825 00 467,502 82 



$59,747,071 00 
13,885,848 00 



S677,083 84 
161,269 58 



$45,861,223 00 $515,814 26 



Miscellaneous. 
Xet premiums received from organization of company, 
Xet losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (10 per cent.), . 
Par value of company's stock owned by directors, 



$2,757,745 89 

1,403,066 39 

161,225 00 

116,221 33 

20,000 00 

7,500 00 



Schedule A. Stocks axd Boxds owxed by the Compaxt. 



Railroad Stocks. 
250 shares Allegheny & Western, 
150 " Chicago, 'Milwaukee & St. Paul, pref., 
200 " Manhattan, .... 
127 " Second Avenue, 
100 " Southern, preferred, 

Government Bonds. 
United States 4s, 1925, .... 



Book Value. 
$37,375 00 

18,183 93 

27,087 50 

23,492 62 

9,312 50 

22,426 25 



Rate. 
146 
172 
141 
16 
75 

115 



Market Value. 

836,500 00 

25,S00 00 

28,200 00 

2,032 00 

7,500 00 

23,000 00 



188 



THE COMMONWEALTH INSURANCE CO. 



New York, N. 
New York, N. 
New York, N. 
New York, N. 



Municipal Bonds. 
Y., 6s, 1910, 
Y., 3*s, 1915, . 
Y., 3is, 1952-53-54, . 
Y., 4s, 1956, 

Railroad Bonds. 
Atchison, Topeka & Santa Fe* reg. 4s, 1995, 
Bait. & Ohio 1st mort. (S. W. div.) 3£s, 1925, 
Chic., Lake Shore & East. 1st mort. 4^s, 1969, 
Interborough Rapid Transit 5s, 1952, 
Minn., St. P. & S. Ste. Marie con. mort. 4s, 1938, 
Missouri Pacific 1st mortgage 5s, 1920, 
St. Louis Southwestern 1st mort. 4s, 1989, 
Southern 1st con. mort. 5s, 1994, 
Union Pacific con v. 4s, 1927, 

Miscellaneous Bonds. 
Michigan Lake Superior Power Co. 5s, 1949, 
Western Union Tel. Co. 4£s, 1950, 



Book Value. 


Rate. 


Market Value. 


$25,166 


67 


101 


$25,250 00 


13,355 


00 


98 


12,740 00 


157,343 


75 


90 


157,500 00 


151,625 


00 


100 


150,000 00 


10,000 


00 


100 


10,000 00 


18,288 


61 


90 


18,000 00 


21,300 


00 


107 


21,400 00 


25,812 


50 


104 


26,000 00 


19,900 


00 


99 


19,800 00 


20,615 


00 


102 


20,400 00 


38,497 


78 


93 


37,200 00 


8,325 


00 


112 


8,960 00 


20,500 


00 


117 


23,400 00 


7,250 


00 


13 


1,300 00 


25,943 


75 


97 


24,250 00 


$701,800 


86 


$679,232 00 



THE COMMONWEALTH INSURANCE COMPANY OF NEW YORK, 

NEW YORK, N. Y. 

Incorporated Aug. 23, 1886. Commenced business Sept. 15, 1886. 

Paid-up Capital, $500,000. 
E. G. RICHARDS, President. CHARLES E. CASE, Secretary. 

Home Office, 76 William Street. 

Income. 
Net fire premiums, ...... 

Gross interest on mortgages, $17,282.69; stocks and bonds, 

$61,936.33; bank deposits, $1,082.47; all other, $83.63, 
Gross profit on sale of stocks, .... 

Sale of rights, ....... 

Total income, ...... 

Ledger assets, Dec. 31, 1908, ..... 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ..... 

Commissions or brokerage, ..... 

Agency expenses, ....... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 



bonds 


$672,789 25 


»> 


80,385 12 
3,660 00 
3,487 50 


. $760,321 87 
. 1,796,237 12 


. $2,556,558 99 




$213,432 89 
2,956 16 




50,000 00 

158,287 90 

3,428 31 




14,016 88 
26,349 49 




4,650 00 
8,383 07 
3,979 49 




836 89 




5,117 92 
3,586 35 
4,517 22 
5,125 67 
1,795 70 
1,406 92 




9,874 32 
2,829 11 



THE COMMONWEALTH INSURANCE CO. 



189 



Other licenses, fees and taxes. 

Gross decrease in book value of stocks, . 

Interest to scripholders, . 

Agents' balances charged off, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A . . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, ..... 

Xox-Ledgee Assets. 
Interest accrued on: — 
Mortgages, $2,494.03; bonds, $5,999.18, . 

Market value of stocks and bonds over book value, . 

Gross assets, ....... 

Assets xot admitted. 
Agents' balances over three monthsdue, . 

Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $4,030.26 resisted, $43,179.51 : less rein- 
surance, $2,362.14, 

Unearned premiums on outstanding ri-..- . 

State, county and municipal taxes, due or accrued, . 



>1.771 22 
3,487 5C 

31 75 
36 26 



$525,901 02 

$2,030,657 97 

$343,200 00 

1.564.332 50 

222 79 

35,475 93 

87.426 75 

$2,030,657 " 



8,493 21 
118,856 50 

$2,158,007 68 



106 15 



$2,157,901 53 



$40. $17 37 

522.363 63 

10,564 19 



Total, 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, .... 

Total liabilities and surplus, 

Risks axd Premiums. 



$500,000 00 

1,084,156 34 



$573,745 19 



1,584,156 34 

$2,157,901 53 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Risks. 

$86,458,958 00 
111,987,765 00 

$198,446,723 00 
81,778,975 00 

$116,667,748 00 
13,602,371 00 



Xet amount in force, ... $103,065,377 00 

MlSCELLAXEOrS. 

Xet premiums received from organization of company. 
Xet losses paid from organization of company. 



Premiums. 

$768,373 41 
931.947 42 

$1,700,320 S3 
683,99S 09 

$1,016,322 74 

$4,341 4$ 

$1,981 26 



$6,315,361 09 
3,001,945 52 



190 



THE COMMONWEALTH INSURANCE CO. 



Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (10 per cent.), 
Par value of company's stock owned by directors, 



$671,000 00 

217,138 30 

50,000 00 

10,000 00 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
125 shares Allegheny & Western, 

800 " Atch., Top. & Santa ¥6, preferred, . 

500 " Baltimore & Ohio, preferred, . 

1,000 " Brooklyn Citv, .... 

500 " Chic., Mil. & St. Paul, preferred, 

300 " Chicago <fe Northwestern, 

200 " Chicago & Northwestern, preferred, 

100 " Chic, St. Paul, Minn. & Omaha, pref., 

200 " Great Northern, preferred, 

500 " Hocking Vallev, preferred, 

200 " Illinois Central, .... 

50 " Kansas City, St. Louis & Chic, pref., 

400 " Manhattan, 

500 " M., St. P. & S. Ste. M., leased lines 

(Wis. Cent., preferred), 

200 " Missouri, Kansas & Texas, pref., 

400 " New York Cen. & Hud. River, 

220 " New York. New Haven & Hartford, 

80 " New York, N. 11. & II. (25% paid), 

1,600 " Reading Co., 1st preferred, 

100 " Rome, Watertown & ( >l;<1< nsburg, . 

600 " Union Pacific, preferred, 

Bank Stock- s. 
13 shares Bank of America. New York, . 
105 " Corn Exchange Bank, New York, 
50 " German American, New York, 
17 " Manhattan Co. of New York, . 
50 " Merchants National, New York, 
32 " Nat. Bank of Commerce, New York, 
25 " The National Park, New York, 
50 " New York Produce Exchange, N. Y., 
25 " New York Trust Company, N. Y., . 

Miscellaneous Stocks. 
175 shares American Surety Company, 



200 
500 
500 
100 
1 



New York, N. 
New York, N. 



Am. Tel. & Cable Co., 
Am. Tel. & Tel. Co., 
Consolidated Gas Co., 
The Pullman Co., 

West. Adjustment and Inspee. Co., 
Government and Municipal Bonds. 
I'nited States 3s, 1918, . . . 

New York, N. Y., 3£s, 1920, . 

Y., 3*8, 1916, . . . . 

Y., 3£s, 1954, . 

Railroad Bonds. 
Central Pacific, 1st refunding mortgage 4s, 1949, 
Chic, Burlington & Quincy (111. Div.) 4s, 1949, . 
Chic, Milwaukee & St. Paul 4s, 1934, 
Delaware & Hudson 1st refunding 4s, 1943, 
Manhattan cons, mortgage 4s, 1990, . 
Missouri, Kan. & Tex. Rv. Co. 1st mort, 4s, 1990, 
N. Y. Cent. & H. R. (Lake Shore col.) 3^s, 1998, 
New York, N. H. & H. conv. deb. 6s, 1948, 
Southern Pacific conv. 4s, 1929, 
St. Paul, Minn. & Manitoba 4^s, 1933, 
Union Pacific 1st refunding mortgage 4s, 2008, 
Vandalia consolidated mortgage 4s, 1957, . 

Miscellaneous Bonds. 
New York Telephone Co. 4£s, 1939, . 



Book Value. 
$18,150 00 
75,975 00 
45,637 50 
18,725100 
62,362 25 
30,243 12 

20.100 00 
10,162 50 
24,968 75 

47.101 25 
28,331 25 

6,818 75 
57,665 62 

46,058 33 
12,825 00 
48,220 00 
42,841 25 
2,500 00 
68,787 50 
11,087 50 
51,400 00 

3,401 25 
28,000 00 

4,537 50 
1,672 32 
3,625 00 
4,107 00 
7,500 00 
5,550 00 
17,750 00 

17,884 37 

18,025 00 

68,512 50 

94,617 75 

8,237 00 

200 00 

2,000 00 

40,000 00 

30,000 00 

170,000 00 

23,890 62 
24,777 62 
23,531 25 
24,906 25 
25,031 25 
2,610 00 
24,993 75 
10,324 00 
49,750 00 
26,312 50 
24,625 00 
24,250 00 

23,750 00 
31,564,332 50 



Rate. 
146 
105 

92 
197 
172 
185 
227 
168 
144 

92 
148 
140 
141 

92 

74 
127 
158 
148 

92 
126 
104 

603 
330 
141 
380 
180 
205 
465 
175 
670 

225 
80 
143 
160 
190 
100 

102 
96 
97 
90 

97 

101 

94 

100 

98 

99 

81 

134 

106 

107 

98 

98 

98 



Market Value. 
$18,250 00 
84,000 00 
46,000 00 
19,700 00 
86,000 00 
55,500 00 
45,400 00 
16,800 00 
28,800 00 
46,000 00 
29,600 00 
7,000 00 
56,400 00 

46,000 00 
14,800 00 
50,800 00 
34,760 00 
4,340 00 
73,600 00 
12,600 00 
62,400 00 

7,839 00 

34,650 00 

5,287 50 

3,230 00 

4,500 00 

6,560 00 

11,625 00 

8,750 00 

16,750 00 

19,687 50 
16,000 00 
71,500 00 
80,000 00 
19,000 00 
100 00 

2,040 00 

38,400 00 

29,100 00 

153,000 00 

24,250 00 
25.250 00 
23,500 00 
25,000 00 
24,500 00 
2,970 00 
24,300 00 
13,400 00 
53,000 00 
26,750 00 
24,500 00 
24,500 00 

24,500 00 



$1,683,189 00 



THE CONCORDIA FIRE INSURANCE CO. 



191 



THE CONCORDIA FIRE INSURANCE COMPANY OF MILWAUKEE, 

MILWAUKEE, WIS. 

Incorporated March 7, 1870. Commenced business March 22, 1870. 

Paid-tip Capital, $300,000. 

GEO. BRUMDER, President. FRANK DAMKOEHLER, Secretary. 

Home Office, 207 Germania Building. 

Income. 

Net fire premiums, $946,890 87 

Gross interest on mortgages, 835,631.88; bonds, 821,205.87; 

bank deposits, S60. 10; gross rents, 8258.13, .... 57,155 98 

Gross increase in book value of bonds, ..... 970 02 

Borrowed money, ......... 35,000 00 



Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements . 

Net amount paid policy holders for fire losses, . 

Expenses of adjustment and settlement of losses, 

Dividends to stockholders, 

Commissions or brokerage, 

Agency expenses, .... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ..... 

Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters ' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross loss on sale or maturity of bonds, 

Gross decrease in book value of bonds, 

Borrowed money repaid, 

Interest on borrowed money, . 

All other disbursements, 

Total disbursements, 

Balance, .... 

Ledger Assets. 
Book value of real estate, .... 
Mortgage loans on real estate, 
Book value of bonds (schedule A), . 



$1,040,016 87 
1,399,779 00 

82,439,795 87 



8470,357 76 

9,104 46 

24,000 00 

276,210 72 

4,815 15 

28,844 69 

34,480 80 

3,667 77 

13,542 84 

5,659 31 

2,723 33 

1,169 62 

3,058 05 

7,298 82 

3,850 66 

768 38 

112 99 

30,714 48 

5,483 70 

1,250 21 

63 35 

2,416 16 

35,000 00 

205 56 

2,647 63 

$967,446 44 

$1,472,349 43 



$7,000 00 
697,575 00 
529,492 29 



192 



THE CONCORDIA FIRE INSURANCE CO. 



Cash in office, ......... 

Deposits in trust companies and banks not on interest, 

Deposits in trust companies and banks on interest, . 

Agents' balances, ......... 

Total ledger assets, ....... 

Non-Ledger Assets. 
Interest accrued on : — 

Mortgages, $6,516.15; bonds, $9,540.51, 

Due from other companies, ....... 

Gross assets, ......... 

Assets not admitted. 
Agents' balances over three months due, . . $3,858 32 

Book value of bonds over market value, . . . 238 64 



Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $6,425 resisted, $103,984.33; less rein- 
surance, $25,918.02, 

Unearned premiums on out sin tiding risks, . 

State, county and municipal taxes, due or accrued, . 

Due for reinsurance, ........ 



Total, 

Cash capital, $300,000 00 

Surplus over all liabilities 184,363 70 

Surplus to policy holders, .... 

Total liabilities and surplus, ...... 

IJisks and Premiums. 

Risks. Premiums. 

Fire risks in force Dec. 31, 1908, . . $174,652,839 00 $2,030,585 14 



$20,912 83 

40,487 48 

9,044 39 

167,837 44 

$1,472,349 43 



16,056 66 
7,613 35 

$1,496,019 44 



4,096 96 
$1,491,922 48 

$78,066 31 

893,614 44 

16,000 00 

19,878 03 

$1,007,558 78 

484,363 70 
$1,491,922 48 



Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



112,881,102 00 1,399,233 81 



$287,533,941 00 $3,429,818 95 
102,474,021 00 1,320,478 46 



$185,059,920 00 $2,109,340 49 
28,039,384 00 373,745 80 



. $157,020,536 00 $1,735,594 69 

Miscellaneous. 
Net premiums received from organization of company, 



Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (8 per cent.), 

Par value of company's stock owned by directors, 



$14,108,890 42 

7,627,074 87 

443,667 00 

485,189 94 

24,000 00 

200,700 00 



Schedule A. Bonds owned by the Company 

County and Municipal Bonds. Book Value. Rate 



Chicago, 111., 4s, 1912, 
Cincinnati, O., 5s, 1910, 



$20,000 00 
40,200 00 



100 
101 



Market Value. 

$20,000 00 

40,400 00 



THE CONCORDIA FIRE INSURANCE CO. 



193 



Davidson County, Tenn., 4+s, 1937 op. 1919, 
Fond du Lac, Wis., 4-^s, 19l? op. 1907, 



Kewanee, 111., 5s, 
Kewanee, 111., os, 
Kewanee, 111., os, 
Kewanee, 111., 5s, 
Kewanee, 111., 5s, 
Lawrence Count}", 111 
Lawrence Countv, 111 



1915-16, 

1917-18, 

1919-20, 

1921-22, 

1923, . 

6s, 1910, 
6s, 1911, 



111., 6s, 1915-16, 
111., 6s, 1921-22, 



Lawrence County, 111., 6s, 1912, 

Mauston, Wis., 5s, 1914, 

Mauston, Wis., 5s, 1916—17, 

Menomonee, Wis., 5s, 1910, 

Menomonee, Wis., 5s, 1911, 

Menomonee, Wis., 5s, 1912, 

Menomonee, Wis., 5s, 1913, 

Menomonee, Wis., 5s, 1914, 

Menomonee, Wis., 5s, 1915, 

Menomonee, Wis., 5s, 1916—17, 

Menomonee, Wis., 5s, 1918, 

Menomonee, Wis., 5s, 1919, 

Menomonee, Wis., 5s, 1920—21, 

McG. Cr. L. & Dr., P. & B. Cos 

McG. Cr. L. & Dr., P. & B. Cos 

Milwaukee, Wis., 5s, 1910, 

Milwaukee, Wis., 5s, 1911, 

Milwaukee, Wis., 5s, 1912, 

Milwaukee, Wis., 5s, 1913, 

Milwaukee, Wis., 5s, 1914, 

Milwaukee, Wis., 5s, 1915—16, 

Milwaukee, Wis., 5s, 1917, 

Milwaukee, Wis., 3s, 1919, 

New York, N. Y., 3£s, 1928, 

Ogle Countv, 111., 4±s, 1920-21, 

Ogle Countv, 111., 4±s, 1925-26, 

P. & LaM. D. & L. Dist., Peoria Co., 111., 6s, 1916, 

P. & LaM. D. & L. Dist., Peoria Co., 111., 6s, 1917, 

P. & LaM. D. & L. Dist., Peoria Co., 111., 6s, 1918, 

Portland, Ore., 4s, 1934, . 

St. Louis Countv, Minn., 4-Js, 191S, 

Sparta, Wis., 4s, 1910, 

Spokane, Wash., 6s, 1911, 

Stark Countv, Ind., 6s, 1911, 

Stark County, Ind., 6s, 1912, 

Stark Countv, Ind., 6s, 1913, 

Stark Countv, Ind., 6s, 1914, 

Stark County, Ind., 6s, 1915-16 

Tomah, Wis., 5s, 1917, 

Tomah, Wis., 5s, 1918-21, 

Tomah, Wis., 5s, 1922-24, 

Tomah, Wis., 5s, 1925-26, 

Wausau, Wis., 5s, 1921-28, 

Wauwatosa & G., Wis., Jt. 

Wauwatosa & G., Wis., Jt. 



Sch 
Sch 
Jt, Sch 
, Jt, Sch 
Jt. Sch 
Jt, Sch 



Wauwatosa & G., Wis., 
Wauwatosa & G., W T is. 
Wauwatosa & G., Wis., 
Wauwatosa & G., Wis., 
Whiting, Ind., 6s, 1910, 
Whiting, Ind., 6s, 1911, 

Railroad Bonds 
Atch., Topeka & Santa Fe, 1st mort. 4s, 195S, 
Chic, Rock Island & Pac. mort. 4s, 1934, . 
Oregon Short Line 4s, 1929, 
Southern Pacific, refunding mort. 4s, 1955, 

Miscellaneous Bonds. 
La Clede Gas Lisht Co. 5s, 1934, 
Milwaukee Gas Light Co. 4s, 1927, 



Dis. 
Dis. 



as, 
5s, 



1910, 

1911, 

Dis. 5s, 1912-13, 

Dis. 5s, 1914, . 

Dis. 5s, 1915-16, 

Dis. 5s, 1917-18, 



Book yalue, 

810,200 00 

30,000 00 

6,240 00 

2,100 00 

2,120 

2,140 

1,0S0 

2,525 



00 
00 
00 
00 
00 



2,575 
2,600 00 
2,978 28 
9,667 

600 

606 

816 

824 

832 

840 
2,120 
1,070 
1,080 



76 
00 
00 
00 
00 
00 
00 
00 
00 
00 



2,398 00 



00 
00 
00 
00 
00 



00 
00 
00 



10,575 
5,475 
1,000 
7,070 
7,210 
7,280 00 
7,350 00 

14,770 00 
7,490 00 
1,000 00 

23.500 00 
5,150 00 
5,225 00 
2,160 
2,180 
1,100 

50,000 00 

25,750 00 
100 00 

20,600 00 
681 75 
2,781 00 
3,510 00 
3.543 75 
5,400 00 
1,050 00 
4,240 
3,230 
2,170 

45,000 
1,000 
1,010 
2,050 00 
1,040 00 
2,090 00 
2,130 00 
1,515 00 
2,060 00 

9,450 00 
22,875 00 
18,950 00 
23,718 75 

10,200 00 
9,200 00 



00 
00 
00 
00 
00 
00 



Eate. 
104 
100 
104 
105 
106 
107 
108 
101 
102 
104 
102 
103 
100 
101 
102 
103 
104 
105 
106 
107 
108 
109 
105 
109 
101 
102 
103 
104 
105 
106 
107 
93 
94 
102 
103 
105 
106 
107 
100 
104 
100 
103 
101 
102 
103 
104 
105 
103 
104 
105 
106 
100 
100 
101 
102 
103 
104 
105 
101 
103 

94 
91 
95 

95 

101 
92 



Market Yalue. 
810,400 00 
30,000 00 
6,240 00 
2,100 00 
2,120 00 
2,140 00 
1,080 



'.,oJ.o 



00 
00 
00 



25 
00 
00 
00 
00 
00 
00 
00 
00 
00 



2,550 
2,600 00 
3,007 
9,732 

600 

606 

816 

824 

832 

840 
2,120 
1,070 
1,080 
2,398 00 
10,500 00 
5,450 00 
1,010 00 
7,140 00 
7,210 00 
7,280 00 
7,350 00 
14,840 00 
7,490 00 

930 00 

23,500 00 

5,100 00 

5.150 00 

2,100 00 

2,120 00 

1,070 00 

50,000 00 

26,000 00 

100 00 
20,600 00 

681 75 
2,754 00 
3,476 
3,510 
5,315 
1.030 
4,160 
3,150 
2,120 
45,000 
1,000 
1,010 
2.040 00 
1,030 00 
2,080 00 
2,100 00 
1,515 00 
2,060 00 

9,400 00 
22.750 00 
19,000 00 
23,750 00 

10,100 00 
9,200 00 



25 
00 
63 
00 
00 
00 
00 
00 
00 
00 



8529,492 29 



8529,253 65 



194 



CONNECTICUT FIRE INSURANCE CO. 



CONNECTICUT FIRE INSURANCE COMPANY, HARTFORD, CONN. 

Incorporated June. 1850. Commenced business July, 1850. 
Paid-up Capital, SI, 000,000. 



J. D. BROWNE, President. 



W. T. HOWE, Secretary. 



Home Office, 51 Prospect Street. 

Income. 

Net fire premiums, $3,836,287 85 

Gross interest on mortgages, $44,244.39; collaterals, $2,356.25; 
stocks and bonds, $190,868.76; bank deposits, $4,522.31; 
all other, $2,543; gross rents, including $10,000 for company's 

own occupancy, $13,463.33, 257,998 04 

Gross profit on sale of real estate, ...... 625 00 

Sale of rights, ... 10 37 

Agents' balances previously charged off, ..... 7 50 



Total income, 
Ledger assets, Dec. 31, 1908, 

Total, . 



Disbursements. 



Net amount paid policy holders for fire losses, 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, .... 

Commissions or brokerage, .... 

Agency expenses, ...... 

Salaries and expenses of special and general agents, 

Salaries, fees, etc., of officers and employees, . 

Rents, including $10,000 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage fees and taxes, 

Inspections and surveys, .... 

Repairs and expenses on real estate, 

Taxes on real estate, ..... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 
Other licenses, fees and taxes, 
Gross decrease in book value of ledger assets, . 
Agents' balances charged off, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Book value of real estate, .... 
Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 



. $4,094,928 85 
. 6,423,061 58 

$10,517,990 43 



$1,846,741 41 
34,470 34 

120.000 00 
807,289 09 

19,034 71 

135.001 61 
188,599 27 

31,405 37 

54,483 42 

19,603 55 

8,720 42 

3,658 72 

10,466 97 

23,358 26 

26,150 82 

18,802 29 

2,558 63 

2,698 36 

65,053 60 

16,798 24 

30,789 04 

25,074 19 

2,108 99 

$3,492,867 30 

$7,025,123 13 



$253,800 00 

915,750 00 

29,000 00 



CONNECTICUT FIRE INSURANCE CO. 



195 



Book value of stocks and bonds (schedule B), . 
Cash in office, 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Bills receivable, ....... 

Total ledger assets, ....... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $10,921.18; bonds, $27,951.87; collateral loans, 
$463.67, 



$5,023,304 09 

410 17 

8,327 10 

397,177 84 

356,683 70 

40,670 23 

$7,025,123 13 



39,336 72 



. $7,064,459 85 



Gross assets, ........ 

Assets not admitted. 

Agents' balances over three months due, . . $3,241 81 

Bills receivable, past due, taken for premiums, . . 17,941 87 

Book value of stocks and bonds over market value, . 73,936 84 

Special deposits less $93,304.56 liability thereon, . 15,595 44 110,715 96 

Admitted assets, $6,953,743 89 

Liabilities. 

Unpaid losses, including $66,074.82 resisted, $343,586.10; less 

reinsurance, $59,103.34, $284,482 76 

Unearned premiums on outstanding risks, .... 3,883,918 80 

Salaries, expenses and accounts, due or accrued, ... 62 24 

State, county and municipal taxes, due or accrued, . . . 51,196 47 



Total, 

Cash capital, ..... 

Surplus over all liabilities, .... 
Surplus to policy holders, . 

Total liabilities and surplus, 

Risks and Premiums. 



$1,000,000 00 
1,734,083 62 



$4,219,660 27 



2,734,083 62 
$6,953,743 89 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, . . 

Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. Premiums. 

$627,090,412 00 $7,441,666 54 
408,280,031 00 4,908,807 95 



$1,035,370,443 00 $12,350,474 49 
344,407,742 00 4,393,404 07 



$690,962,701 00 $'7,957,070 42 
53,635,893 00 682,498 62 



$637,326,808 00 $7,274,571 80 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (12 per cent.), 

Par value of company's stock owned by directors, 



$58,195,480 53 

33,377,635 96 

3,495,000 00 

1,857,020 82 

120,000 00 

42,600 00 



196 



CONNECTICUT FIRE INSURANCE CO. 



Schedule A. Securities held as Collateral. 

Company 's Loaned 

Market Value. Thereon. 

. $7,600 00 $4,000 00 

. 30,000 00 25,000 00 



40 shares The Pullman Co., 
Hartford City Gas Light Co. 4s, 1935, 



$37,600 00 $29,000 00 



Schedule B. Stocks and Bonds owned by the Company. 

Railroad Stocks. Book Value. Rate. Market Value. 

500 shares New York, New Haven & Hartford, . $84,246 44 158 $79,000 00 

237 " New York, N. H. & H. (25% paid), . 7,406 25 148 12,857 25 

300 " Pittsburg, Fort Wayne & Chicago, . 28,700 00 176 52,800 00 

Bank Stocks. 

100 shares JEtna National, Hartford, . . 12,500 00 225 22,500 00 

93 " Charter Oak National, Hartford, . 12,026 00 135 12,555 00 

125 " Farmers' & Mech. Nat., Hartford, . 26,442 50 113 14,125 00 

185 " First National, Hartford, . . . 26,655 72 160 29,600 00 

300 " Hartford National, .... 45,645 75 143 42,900 00 

100 " Importers' and Traders' National, N.Y., 16,800 00 568 56,800 00 

412 " National Exchange, Hartford, . . 28,106 00 135 27,810 00 

150 " Phoenix National, Hartford, . . 22,246 50 122 18,300 00 

Miscellaneous Stocks. 

200 shares Empire & Bay States Telegraph Co., . 14,800 00 65 13,000 00 

500 " Northwestern Telegraph Co., . . 23,000 00 113 28,250 00 

Government Bonds. 

Dominion of Canada 3*s, 1913, . . . 112,626 68 99 108,900 00 

State, County and Municipal Bonds. 

Arizona 5s, 1942, op. 1912, .... 52,525 00 103 51,500 00 

Arizona 5s, 1946, op. 1916, .... 27,000 00 106 20, 500 00 

Astoria, Ore., 6s, 1911, 12,840 00 102 12,240 00 

Astoria, Ore., 5s, 1925, 5,275 00 106 5,300 00 

Baltimore, Md., 3|s, 1980, .... 46,875 00 93 46,500 00 

Boston, Mass, 3 is, 1945, 50,750 00 95 47,500 00 

Bridgeport, Conn., 4s, 1939, .... 41,150 00 100 40,000 00 

Chicago, 111., 4s, 1926, 51,000 00 102 51,000 00 

Cincinnati, O., 3£s, 1965, op. 1945, . . . 50,625 00 94 47,000 00 

Cleveland, O., 4s, 1922, 52,750 00 101 50,500 00 

Columbus, O., 4s, 1922, op. 1912, . . 35,424 60 100 34,000 00 

Colorado Springs, Col., 4s, 1924, op. 1914, . . 25,687 50 97 24,250 00 

Dallas, Tex., 5s, 1920, 12,360 00 105 12,600 00 

Dallas, Tex., 4s, 1946, 25,000 00 93 23,250 00 

Duluth, Minn., 4£s, 1914, .... 10,700 00 101 10,100 00 

Duluth, Minn., 4s, 1932, 36,225 00 96 33,600 00 

East Hartford, Conn., 4s, 1931, op. 1921, . . 41,800 00 101 40,400 00 

Fargo, N. D., 6s, 1911, 6,478 75 102 6,120 00 

Georgia 4£s, 1915, 26,625 00 105 26,250 00 

Hartford, Conn., 3£s, 1954-55, .... 98,500 00 95 95,000 00 

Hartford, Conn., So. School District 3^-s, 1931, . 26,125 00 96 24,000 00 

Helena, Mont., 5s, 1916, 21,400 00 104 20,800 00 

Hennepin Countv, Minn., 4i s , 1925, . . . 56,345 00 110 55,000 00 

Kansas City, Mo'., 4s., 1924, .... 53,250 00 100 50,000 00 

Marion County, Ore., 6s, 1910, .... 14,121 25 101 13,130 00 

Massachusetts 3£s, 1935, 74,687 50 97 72,750 00 

Massachusetts 3£s, 1945, 24,687 50 96 24,000 00 

Nashville, Tenn., 4s, 1927, .... 50,625 00 100 50,000 00 

New Britain, Conn., 3£s, 1932, .... 25,625 00 94 23,500 00 

New Britain, Conn., 4s, 1936, .... 25,250 00 100 25,000 00 

New Haven, Conn., 4s, 1931, . . . • . 30,871 50 102 30,600 00 

New London, Conn., 3£s, 1926, . . . 47,500 00 96 48,000 00 

New Mexico Territory 4s, 1933 op. 1923, . . 10,550 00 103 10,300 00 

Newport, R. I., 3±s, 1954, .... 44,880 00 92 40,480 00 

New York, N. Y., 3*s, 1953, .... 51,031 25 90 45,000 00 

New York, N. Y., 4s", 1956, .... 50,359 38 100 50,000 00 

Norwich, Conn., 4s, 1931, . . . . 25,000 00 100 25,000 00 

Pawtucket, R. I., 4s, 1934, .... 30,525 00 102 30,600 00 

Philadelphia, Pa., 4s, 1938, .... 104,750 00 103 103,000 00 

Portland, Ore., 5s, 1923, 57,625 00 109 54,500 00 

Providence, R. I., 4s, 1923, .... 51,750 00 101 50,500 00 



CONNECTICUT FIRE INSURANCE CO, 



197 



Richmond, Va., 4s, 1924, . 

Rockville, Conn., 4s, 1935, 

St. Louis, Mo., 4s, 1928, . 

Salem, Ore., 6s, 1914, 

Salt Lake City, Utah, 5s, 1914, 

Salt Lake City, Utah, 4^s, 1924, 

San Diego, Cal., 4±s, 1938, 

Seattle, Wash., 4£s, 1928, 

Seattle, Wash., 5s, 1913, . 

Spokane County, Wash., 4^s, 1927 op. 1917 

Springfield, Mass., 4s, 1917, 

Stockton, Cal., 5s, 1917 op. 1914, 

Syracuse, N. Y., 3^s, 1920, 

Torrington Borough, Conn., 4s, 1929, 

Trenton, N. J., 4s, 1934, . 

Waterbury, Conn., 4s, 1927, 

Railroad Bonds. 
Atchison, Topeka & Santa Fe, 4s, 1995, 
Baltimore & Ohio 3^s, 1925, 
Black Rocks & Salisbury Beach 5s, 1911, 
Boston & Albany 4s, 1933, 
Boston & Maine 4^s, 1929, 
Chicago, Burlington & Quincy 3-g-s, 1949, 
Chicago & Erie 5s, 1982, . 
Chicago, Milwaukee & St. Paul 4s, 1989, 
Chicago & Northwestern 5s, 1921, 
Chicago & Northwestern 5s, 1929, 
Chicago & Northwestern 3-Js, 1987, 
Chicago Railways, series A 4s, 1927, . 
Chicago Railways, series B 4s, 1927, . 
Chicago, St. Louis & New Orleans 3^s, 1951, 
Chicago, St. Paul, Minn. & Omaha 3^s, 1930, 
Cincinnati, Hamilton & Dayton 5s, 1942, 
Cincinnati, Indianapolis & Western 4s, 1953, 
Cleveland, Cin., Chicago & St. Louis 4s, 1991, 
Cleveland Electric 5s, 1913, 
Cleveland & Mahoning Valley 5s, 1938, 
Dayton & Michigan 5s, 1911, 
Detroit Railway 5s, 1924, 
Illinois Central 3^s, 1951, 
Illinois Central 4s, 1955, . 
Indiana, Illinois & Iowa 4s, 1950, 
Iowa Central 5s, 1938, 
Lake Shore & Michigan Southern 4s, 1931, 
Lake Shore & Michigan Southern notes, 5s, 1910 
Lehigh Valley 4^s, 1940, . 
Long Island 4s, 1949, 
Michigan Central 3^s, 1952, 
Minneapolis & St. Louis 4s, 1949, 
New England 4s, 1945, 
N. Y. Cent. & Hud. Riv. refunding 3^s, 1997, 
N. Y. C. & Hud. Riv. (Lake Shore col.) 3^s, 1998 
N. Y. Cent. & Hud. Riv. (Mich. Cent.) 3|s, 1998, 
N. Y., Lackawanna & Western 4s, 1923, 
N. Y., N. H. & Hartford 4s, 1954, . ' . 
N. Y., N. H. & Hartford, deb. certs. 3-^s, 1947, 
N. Y., N. H. & Hartford, deb. certs. 4s, 1947, 
N. Y., N. LI. & Hartford, certs, conv. 3^s, 1956, 
N. Y., N. H. & Hartford, certs, conv. 6"s, 1948, 
N. Y., N. H. & Hartford notes, 5s, 1910, 
N. Y., N. H. & Hartford note, 5s, 1912, 
Northern Pacific & Great Northern 4s, 1921 
Port Reading 5s, 1941, 
Rutland 4i s , 194L, . 
Rutland Canadian 4s, 1949, 
St. Louis & San Francisco 5s, 1947, 
St. Louis Southern 4s, 1931, 
Southern Pacific 4s, 1955, 
Southern Pacific 5s, 1937, 
Toledo & Ohio Central 5s, 1935, 
Vandalia 4s, 1955, . 



Book Value. 
$50,000 00 
27,187 50 
51,625 00 
12,017 50 
41,512 50 
10,700 00 
32,831 25 
26,250 00 
25,250 00 
51,250 00 
49,250 00 
33,262 50 
48,500 00 
25,250 00 
51,000 00 
51,375 00 

50,312 50 

23,875 00 

9,500 00 

100,625 00 

105,115 00 
46,100 00 
60,750 00 
54,375 00 
54,750 00 

108,506 25 
48,000 00 
9,167 50 
21,407 50 
24,500 00 
46,750 00 
51,125 00 
49,375 00 
9,000 00 
51,375 00 
11,000 00 
26,437 50 
54,862 50 
25.000 00 
24,906 25 
50,300 00 
28,156 25 
45,484 73 
49,750 00 
57,676 13 
51,000 00 
24,281 25 
71,812 50 
24,875 00 
25,937 50 
47,220 00 
26,107 50 

104,525 00 
54,250 00 
52,375 00 
26,812 50 
29,122 50 
25,203 38 
50,555 56 
25,500 00 
45,192 71 
10,200 00 
26,187 50 
25,000 00 
24,837 50 
26,250 00 
23,690 63 
53,500 00 
25,375 00 
50,000 00 



Rate. 
101 
101 
101 
104 
104 
104 
106 
106 
103 
102 
102 
106 
97 
102 
102 
100 

100 

93 
100 
101 
105 

90 
114 
101 
107 
109 

90 

95 

86 

90 

93 
107 

88 

94 

97 
102 
100 

95 

92 

99 

98 
107 

95 
100 
107 

99 

89 

83 
101 

91 

81 

80 
100 
101 

87 

97 
102 
134 
101 . 
102 

97 
110 
102 

91 
101 

98 

95 
115 
110 

98 



Market Value. 
$50,500 00 
25,250 00 
50,500 00 
11,440 00 
41,600 00 
10,400 00 
31,800 00 
26,500 00 
25,750 00 
51,000 00 
51,000 00 
31,800 00 
48,500 00 
25,500 00 
51,000 00 
50,000 00 

50,000 00 
23,250 00 
10,000 00 

101,000 00 

105,000 00 
45,000 00 
57,000 00 
50,500 00 
53,500 00 

109,000 00 
45,000 00 
8,550 00 
18,060 00 
22,500 00 
46,500 00 
53,500 00 
44,000 00 
9,400 00 
48,500 00 
10,200 00 
25,000 00 
47,500 00 
23,000 00 
24,750 00 
49,000 00 
26,750 00 
47,500 00 
50,000 00 
58,850 00 
49,500 00 
22,250 00 
62,250 00 
25,250 00 
22,750 00 
40,500 00 
24,000 00 

100,000 00 
50,500 00 
43,500 00 
24,250 00 
30,600 00 
33,500 00 
50,500 00 
25,500 00 
48,500 00 
11.000 00 
25,500 00 
22,750 00 
25,250 00 
24,500 00 
23,750 00 
57,500 00 
27,500 00 
49,000 00 



198 



CONTINENTAL INSURANCE CO. 



Miscellaneous Bonds. 
Chicago Edison Co. 5s, 1926, . . . . 

Northwestern Telegraph Co. 4-^s, 1934, 
People's Gas & Coke Co., Chicago, 5s, 1947, 
Traders' Safe & Trust Co., Chicago, 111., 6s, 1905, 
Western Union Telegraph Co. 5s, 1938, 
Western Union Telegraph Co. 4£s, 1950, 



Book Value. 


Rate. 


Market Value. 


$26,625 


00 


100 


$25,000 00 


25,562 


50 


99 


24,750 00 


26,125 


00 


103 


25,750 00 


10,000 


00 


100 


10,000 00 


27,093 


75 


100 


25,000 00 


24,892 


38 


97 


24,250 00 


$5,023,304 


09 


$4,949,367 25 



CONTINENTAL INSURANCE COMPANY, NEW YORK, N. Y. 

Incorporated January, 1853. Commenced business January, 1853. 

Paid-up Capital, $1,000,000. 

HENRY EVANS, President. J. E. LOPEZ, \ <> . . 

E. L. BALLARD, } Secretaries. 

Home Office, 1^6 Cedar Street. 



Income. 

Net fire premiums, ........ 

Gross interest on mortgages, $402.75; stocks and bonds, 
$847,566.25; bank deposits, $39,223.56; all other, $6,307.28; 
gross rents, including $44,239.98 for company's own occu- 
pancy, $113,113.78, 

Gross profit on sale of stocks and bonds, . 

Gross increase in book value of stocks and bonds, 

From receiver on foreclosure of mortgage, 

Agents' balances previously charged off, . 

Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 



$6,668,802 62 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ..... 

Commissions or brokerage, ..... 

Agency expenses, ....... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, including $44,239.98 for company's own occupancy 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ..... 

Maps, including corrections, ..... 

Underwriters'" boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross loss on sale of stocks and bonds, 

Gross decrease in book value of ledger assets, 



1,006,613 62 

. 1,313,941 00 

675,692 00 

7,500 82 

95 27 

. $9,672,645 33 
. 19,123,769 41 

$28,796,414 74 



$2,970,149 27 

104,282 86 

550,000 00 

1,434,268 32 

3,140 15 

189,584 79 

406,327 61 

62,636 21 

53,552 13 

61,693 58 

1,526 82 

2,702 11 

12,660 00 

50,745 33 

18,428 63 

11,783 11 

28,730 95 

20,821 27 

123,833 18 

24,950 51 

20,660 89 

64,504 00 

356,133 84 



CONTINENTAL INSURANCE CO. 



199 



Bills receivable, charged off, . 
Agents' balances charged off, . 
Scrip redeemed, 
All other disbursements, 

Total disbursements, 

Balance, 



Ledger Assets. 



Book value of real estate, ..... 

Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, . . . . . 

Bills receivable, ....... 

Total ledger assets, . . . 

Non-Ledger Assets. 

Interest due and accrued on bonds, 

Rents accrued on company's property, 

Market value of stocks and bonds over book value, . 

Gross assets,* ...... 

Assets not admitted. 
Agents' balances over three months due, 



Admitted assets, .... 

Liabilities. 

Unpaid losses, including $35,970 resisted, $459,696 
insurance, $35,160.35, .... 

Unearned premiums on outstanding risks, 
Unpaid scrip, ...... 

Interest due or accrued on scrip, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Due for reinsurance, .... 

Rents paid in advance, .... 

Reserve for contingencies, 



Total, .... 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities and surplus, 



$20,535 73 

442 67 

35 00 

22,605 13 

. $6,616,734 09 

$22,179,680 65 



$1,200,000 00 

2,700 00 

16,190,637 00 

26,886 09 

941 21 

3,917,129 72 

798,024 92 

43,361 71 

$22,179,680 65 



28,676 82 

131 00 

. 1,474,640 50 

$23,683,128 97 



1,748 68 





• 




$23,681,380 29 


396.97; less re- 








$424,536 62 

7,427,053 75 

26,796 00 

6,068 40 


d, 






100,000 00 

125,000 00 

29,184 14 

295 00 


150,000 00 


. $8,288,933 91 
$1,000,000 00 
14,392,446 38 




■ 15,392,446 38 










$23,681,380 29 



* The company holds also instalment premium notes to the amount of $2,142,640.08, which do not 
enter into or form any part of the assets of the company, as no portion of them is earned. Whatever 
value is attached to them would necessarily be counterbalanced by the addition of an amount exactly 
equal to the reinsurance liability, the entire sum consisting of "unearned premiums." 

The assets include $600,000 special reserve held under New York law. 



200 



CONTINENTAL INSURANCE CO. 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. Premiums. 

$1,340,146,681 00 $14,408,613 61 

839,763,760 00 8,044,001 96 



$2,179,910,441 00 $22,452,615 57 

773,270,288 00 7,668,048 08 

$1,406,640,153 00 $14,784,567 49 

57,130,616 00 535,631 98 



$1,349,509,537 00 $14,248,935 51 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (55 per cent.), . 

Par value of company's stock owned by directors, 



$135,498,393 57 

. 72,263,186 60 

. 10,064,356 56 

. 3,144,872 50 

550,000 00 

171,900 00 



Schedule A. Stocks and Bonds owned by the Company. 



200 

200 

500 

2,000 

1,000 

14,000 

700 
1,000 
1,000 

950 
1,000 
2,500 
2,500 
6,300 
1,000 

200 
1,000 
3,275 
2,300 
1,800 
2,646 
5,400 
3,700 

500 
2,000 
2,000 

200 

500 
5,021 

700 
1,300 

100 
2,500 

500 
4,200 

500 
2,000 
2,000 

250 

50 

500 



Railroad Stocks. 

shares Atch., Topeka & Santa Fe, pref., 

" Atlanta & Charlotte Air Line, 

" Atlantic Coast Line, Conn., . 

" Atlantic Coast Line, 

" Baltimore A Ohio, preferred, 

" Brooklyn City, Brooklyn, X. Y., 

" Buffalo, Rochester & Pitts., pref., 

" Buffalo, Rochester A Pittsburg, 

" Central of New .Jersey, 

" Chic. City Ry. syn. sub. (9.V ; paid) 

" Chicago iV Eastern Illinois, pref., 

" Chicago, Mil. A St. Paul, pref., 

" Chicago & Northwestern, pref., 

" Chicago & Northwestern, 

" Ch., St. P., Minn. & Omaha, pref. 

" Cleve., Cin., Ch. A St. Louis, pref. 

" Delaware & Hudson, 

" Delaware, Laeka. A Western, 

" Great Northern, preferred, 

" Hocking Valley, preferred, 

" Lake Shore A Michigan Southern, 

" Lehigh Valley, 

" Louisville & Nashville, 

" Mahoning Coal, 

" Manhattan, 

" Nashville, Chatt. & St. Louis, 

" New York Cent. & Hudson Riv., 

" New York, Chic & St. Louis 1st pref 

" New York & Harlem, 

" Norfolk & Western, 

" Northern Pacific, 

" Northern Securities Co., 

" Pitts., Cin., Ch. & St. Louis, pref 

" Pittsburg, Ft. Wayne & Chicago, 

" Pitts., McKeesport & Yough., 

" Reading Co., 1st preferred, 

" Reading Co., 

" United N. Jer. Rail. & Canal Co., 

Bank and Trust Company Stocks. 
shares Am. Exchange Nat., N. Y., N. Y., 

" Bank of America, New York, N. Y., 

" Bank of N. Y., N. B. A., N. Y., N. Y., 



Book Value. 

u.ooo 00 
35,000 00 

125,000 00 
220,000 00 

90,000 00 
259,000 00 

77,000 00 

90,000 00 
250,000 00 
166,250 00 
110,000 00 
387,500 00 
525,000 00 
1,102,500 00 
155,000 00 

20,000 00 
175,000 00 
900,625 00 
299,000 00 
144,000 00 
793,800 00 
472,500 00 
518,000 00 

75,000 00 
270,000 00 
250,000 00 

22,000 00 

50,000 00 
753,150 00 

56,000 00 
175,500 00 

10,000 00 
250,000 00 

82,500 00 
220,500 00 

20,000 00 
150,000 00 
480,000 00 

56,250 00 

25,000 00 

150,000 00 



Rate. 
]()3 
101 
350 
137 

92 
197 
137 
104 
314 
1S1 
120 
172 
227 
1 86 
168 
107 
185 
620 
144 

92 
315 
219 
158 
310 
141 
140 
127 
107 
315 

99 
146 
103 
115 
176 
129 

92 
171 
250 

250 
603 
327 



Market Value. 
$21,000 00 

38,200 00 
175,000 00 
274,000 00 

92,000 00 
275,800 00 

95,900 00 
104,000 00 
314,000 00 
171,950 00 
120,000 00 
430,000 00 
567,500 00 
1,165,500 00 
168,000 00 

21,400 00 
185,000 00 
1,015,250 00 
331,200 00 
165,600 00 
833,490 00 
591,300 00 
584,600 00 

77,500 00 
282,000 00 
280,000 00 

25,400 00 

53,500 00 
790,807 50 

69,300 00 
189,800 00 

10,300 00 
287,500 00 

88,000 00 
270,900 00 

23,000 00 
171,000 00 
500,000 00 

62,500 00 

30,150 00 

163,500 00 



COUNTY FIEE IXSURAXCE 



I )1 



600 shares Centre . st Co., New York, N Y 

M nics Nat., New York N. Y.. 
350 " Merchants Nal N York, N. \... 

I 
1.500 si - os it - N w ¥ rk X. Y.. . 

Del.. I "" " -: ■- :.. '. . 

300 ■■ m. i. :-. : : :■.-- prop 

1.000 •• National Bis N. J : 

_ XX) •' United States Express N. Y.. . 

S tU and Municipal E 

I _ T 
New Mexico 4s op. 1929. . 

57. 
New York, X. Y.. 3*s, 1927, 
New York. X. Y 
New York, X. Y 5fs 1910, 

Richmond. Va Is 1 ■_ -21-23-24, 

_ . . ^_ 

h., Topeka & Santa F - _ T paid 4s, 1955 

atic Coast Line (L. vfc X". col. 4s 1952 
Chicago & Alton, 1st lien. 3+s. 195C 
Chic. Burl & ^uincv general mort. 4s, 1 
Chicago, Rock Island ic 4s 2002, . 

Columbia & Green viile 1st mort. Be 11 
Delaware & Hudson conv. deb. 4.s, 1916. 
Elmira. Cortlandt *5c Northern 1st mort. Be 1914 
Fort Worth £ Denver City 1st mort is 1921 
Illinois Central refunding mort. 4s. 195-5. 
Interborough Rapid Transit note- - 111. 
Louisville £ Nash. M. & M. 1st mort 4£s 1945 
Metropolitan Street gen. mort. 5s 1997 
Norfolk i5c Western convertible 4s. 1932. 
Nor. Pac.-Gt. North. (C, B. vfc Q. col. 4s. 1921. 
Pennsylvania con. mort. 4s. 1948, 
Wabash 1st refunding mort. 4s, 195 

Miscellaneous Bonds. 
American Cotton Oil Co.. X. J.. 4-Vs. 1915. . 
American Tobacco Co.. X. - 1 .■-- 

Central Leather Co., N. J., 5s 1925, . 
Mortgage Bond Co. of New York -is. 1 : 
X. Y.Gas &Elec. Light, Heat & Power Co. 4a 194 



BookTahae. 
£480,000 00 

- ._ r :•: 
_ _ 00 

210,000 00 

: 4 - " : 

1 s 

115.000 00 
160,000 00 

10,000 00 

10,000 00 

200,000 00 

112,500 00 

427,500 00 

2,900.000 00 

50,000 00 

3.000 00 
42,500 00 
14,000 00 
100 
75,000 00 
50,000 00 

100,000 00 
50,000 00 

100,000 00 
>.000 00 
60,000 00 
50,000 00 
19.500 00 
18,000 00 

237.500 00 
17,000 00 

105,00U 00 

45,000 00 
_ .000 00 
r .000 00 
21.250 00 
5 2.000 00 

|1£ 190,697 00 



?..!:- :::.:£t: ":/.:, 

1,040 §624,000 00 
119,000 00 
1 - 31,500 00 

1 :^ 0.000 00 

204 : 1 - : ; •] 

: r 1 ;• r 

124 124,000 00 
111 _- 

10,500 00 

104 10,400 00 

15 ::•:•: :■•; 

94 117.500 00 
91 -. i _ _ ': 

100 2,900,000 00 

101 50,500 00 

122 2^0 00 

96 ^-.000 00 

15,000 00 

-?.ooo 00 

-4.000 00 

107 53.500 00 

103,000 00 

105 52,500 00 
113 113,000 00 

99 39,600 00 
1 4 62.400 00 

1:: f.5.1 :■:■ : ■: 
-4.00000 

102 20,400 00 
-42.500 00 

1:4 : 7. •?.>:• 

117,000 00 

a 49,000 00 

107 -" 820 00 

99 99,000 00 

22.250 00 

>4 54,600 00 

$17 : 55 -"" : : 



COUNTY 



FIRE INSURANCE 30MPANY OF PHILADELPHIA 
PHILADELPHIA, PA. 

Incorporated May 31. 1832. Commenced business April 19, 1833. 

Paid-— :*apitjll H 
CHARLES R. PECK, President. 

Home Office, 110 South Jtfh >- 

Income. 
Xet fire premiums, ........ 

Deposit premiums on perpetual risks ..... 

Gross interest on mortgages, 17,947.33; collate :~ $2 ?1 ; 13 
.stocks and bonds. $31,618.51; bank deposits, $846.18; all 
other, $761.61: gross rents, including $2,500 for company - 
own occupancy. $4,226, 
Gross profit on sale of bonds. 
From all other sources. . 



E. A. LAW. Secretory. 



78 : _ 52 



Total income. 
Ledger assets, Dec. 31. 1908, 

Total, . 



47.717 96 
20 00 



1430,501 45 

1.050.109 61 

Rl 480,611 06 



202 



COUNTY FIRE INSURANCE CO. 



and taxes, 



Disbursements. 

Net amount paid policy holders for fire losses, . 

Expenses of adjustment and settlement of losses, 

Deposit premiums returned, . 

Dividends to stockholders, 

Commissions or brokerage, 

Agency expenses, ..... 

Salaries and expenses of special and general agents, 

Salaries, fees, etc., of officers and employees, 

Rents, for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ..... 

Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, .... 

State taxes on premiums, 

Insurance department licenses and fees, . 

Gross loss on sale of real estate, 

Agents' balances charged off, . 

All other disbursements, 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 

Book value of real estate, .... 

Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, . ..... 

Perpetual deposits, ..... 

Total ledger assets, ....... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $2,136.96; bonds, $6,798.72; collateral loans, $255.70, 
Rents accrued on company's property, 
Market value of real estate over book value, 
Market value of stocks and bonds over book value, . 
Due from other companies, ..... 
Deposit with Philadelphia Underwriters' Association, 

Gross assets, ....... 



$164,878 51 

2,776 36 

8,431 12 

32,000 00 

97,641 85 

2,177 88 

10,761 10 

19,095 02 

2,500 00 

4,539 54 

2,971 

139 

596 

4,701 

2,947 

3,067 

709 

589 

792 

9,496 

1,277 

253 

230 

2,623 



97 
00 
03 
11 
05 
14 
26 
92 
08 
59 
00 
75 
16 
90 



$375,196 34 



$1,105,414 72 


$57,054 39 


182,700 00 


12,000 00 


725,351 42 


374 64 


61,095 92 


64,484 60 


2,353 75 


$1,105,414 72 


9,191 38 


10 80 


15,010 61 


49,287 08 


159 94 


100 00 


$1,179,174 53 



COUNTY FIRE INSURANCE CO. 



203 



Assets not admitted. 

Agents' balances over three months due, . . $1,156 12 

Perpetual deposits in unauthorized companies, . 532 50 

Deposit with Philadelphia Underwriters' Association, 100 00 

Perpetual deposits not returnable, .... 235 37 

Admitted assets, . . 

Liabilities! 

Unpaid losses, including $500 resisted, $36,797.66; less rein- 
surance, $3,346, ...... 

Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 



Total, .... 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities and surplus, 



$400,000 00 
229,420 27 



$2,023 99 
$1,177,150 54 



$33,451 66 

303,068 23 

196,160 85 

8,621 31 

6,428 22 

$547,730 27 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Net amount in force, 
Perpetual risks in force (not included above), 



Risks and Premiums. 

Bisks. 

$53,615,472 00 
47,867,779 00 



629,420 27 



,177,150 54 



Premiums. 

$572,574 92 
514,330 68 



$101,483,251 00 $1,086,905 60 
39,973,718 00 452,175 63 



$61,509,533 00 
6,426,259 00 



$634,729 97 
62,135 83 



$55,083,274 00 $572,594 14 
$8,824,848 00 $216,246 30 



Miscellaneous. 

Net premiums received from organization of company, . . $5,937,679 84 

Net losses paid from organization of company, . . . 3,440,774 36 

Cash dividends declared from organization of company, . . 1,004,408 17 

Fire losses incurred during the year, ..... 177,887 91 

Dividends declared during the year (8 per cent.), . . . 32,000 00 

Par value of company's stock owned by directors, . . . 128,600 00 

Schedule A. Securities held as Collateral. 

Company's 
Market Value. 

21 shares Union Passenger Ry., Philadelphia, . . . $4,410 00 

125 " Westinghouse Elec. & Mfg. Co., preferred, . . 8,000 00 

58 " Westinghouse Elec. & Mfg. Co., assenting, . . 2,393 00 

Certificate of Participation, series "C/'No. 25, . . . 7,500 00 J 



Loaned 
Thereon. 

$3,700 00 
8,300 00 



$22,303 00 $12,000 00 






204 



COUNTY FIRE INSURANCE CO. 



Schedule B. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
11 shares Elmira & Williamsport, 
50 " Frankford & Southwark (P. C. P.), 

205 " Germantown Passenger, 

104 " North Pennsylvania, 

600 " Pennsylvania, .... 

264 " Phil., Germantown & Norristown, 

200 " Phila. Traction, 

100 " Second and Third St. Passenger, 
20 " Thirteenth & Fifteenth St. Pass., 

150 " United of New Jersey. 

164 " Union Traction of Philadelphia, . 

Bank Stocks. 
28 shares Bank of North America, Phila., 
10 " First National, Philadelphia, 
35 " National Bank of Northern Liberties, 
Miscellaneous Stocks. 
2 shares General Adjustment Bureau, 
State, County and Municipal Bonds. 
Allegheny County,' Pa., 4s, 1939, 
Massachusetts 3',s, 1934, . 
New York, N. Y., 4*s, 1957, 
Philadelphia, Pa., 3|s, 1931, 
Trenton, N. J., 4s, 1939, . 
Wilmington, Del., 4s, 1932, 

Railroad Bonds. 
Catawissa 1st mort. -Is, L948, 
Chesapeake & Ohio equipment 4s, 1914, 
Chic, Rock Island & Pacific 4£s, 1910, 
Elec. & People's Trac. stock trust cer. 4s, 1945, 
Erie and Western Transportation 4s, 1925, 
Iron Mt. Car Trust 6s, 1910, 
Lehigh Vallev 2d mort. 7s, 1910, 
Lehigh Valley 4£s, 1940, .... 
Lehigh Valley annuity 8s, 
Lehigh Valley cons. mort.. 4s, 2003, 
Newark Passenger 1st cons. mort. 5s, 1930, 
N. Y. Cent. & Hud. Riv. (Lake Sh. col.) 3Js, 1998 
New York, Phila. & Norfolk 4s, 1948, 
Norfolk & Western equipment 4s, 1913, 
Norfolk & Western notes, 5s, 1910, 
Northern Central 2d mort. 5s, 1926, . 
Pennsylvania Co. 3£s, 1916, 
Pennsylvania Co. 4s, 1931, 
Pennsylvania gen. mort. 6s, 1910, 
Pennsylvania notes, 5s, 1910, 
Pennsylvania collateral 4|s, 1913, 
Pennsylvania & N. W. gen. mort. 5s, 1930, 
Philadelphia Co. 5s, 1949, 

Philadelphia, Bait. & Wash. 1st mort. 4s, 1943, 
Philadelphia City Pass. 1st mort. 5^, 1910, 
Philadelphia & Erie cons. mort. 5s, 1920, . 
Philadelphia & Reading Terminal 5s, 1941, 
Pitts., Cin., Chicago & St. L. cons. mort. 4£s, 1942 
St. Louis, Iron Mt. & Southern 5s, 1910, " . 
Wladikawkas 4s, 1957, .... 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 5s, 1910, 
Equitable Ilium. Gas Light Co., Phila., 5s, 1928, 
Pennsylvania Steel Co. 5s, 1917, 
Western Union Telegraph Co. 4£s, 1950, 



Book Value. 

$550 00 

16,656 25 

17,744 60 

8,699 50 
33,198 88 
28,847 05 
18,225 00 
16,816 00 

4,500 00 
29,217 39 

2,870 00 

7,458 00 

2,102 50 

11,516 25 

100 00 



Rate. 
101 
794 
242 
200 
137 
300 
178 
560 
570 
250 
104 

300 
212 
252 

100 



Market Value. 

$555 50 

19,850 00 

24,805 01 

10,400 00 

41,100 00 

39,600 00 

17,800 00 

28,000 00 

5,700 00 

37,500 00 

8,528 00 

8,400 00 
2,120 00 
8,820 00 

100 00 



10,356 00 


102 


10,200 00 


19,700 00 


97 


19,400 00 


21,575 00 


111 


22,200 00 


9,737 50 


95 


9,500 00 


5,131 25 


102 


5,100 00 


10,151 00 


102 


10,200 00 


4,300 00 


102 


4,080 00 


9,772 00 


98 


9,800 00 


it, 707 00 


100 


10,000 00 


23,359 00 


90 


22,500 00 


15,412 50 


100 


15,000 00 


10,192 00 


100 


10,000 00 


10,150 00 


102 


8,160 00 


25,250 00 


107 


26,750 00 


18,137 50 


150 


22,500 00 


4,900 00 


97 


4,850 00 


16,012 50 


109 


16,350 00 


s.200 00 


81 


8,100 00 


19,100 00 


100 


20,000 00 


4,897 50 


98 


4,900 00 


9,912 50 


100 


10.000 00 


11,550 00 


113 


11,300 00 


8,772 50 


97 


8,730 00 


25,125 00 


98 


24,500 00 


13,302 50 


100 


11,000 00 


14,850 00 


100 


15,000 00 


10,162 50 


101 


10,100 00 


10,400 00 


109 


10,900 00 


5,425 00 


104 


5,200 00 


5,225 00 


103 


5,150 00 


3,240 00 


10Q 


3,000 00 


10,600 00 


109 


10,900 00 


12,050 00 


118 


11,800 00 


23,400 00 


108 


21,600 00 


9,808 00 


100 


10,000 00 


15,000 00 


88 


13,200 00 


24,406 25 


100 


25,000 00 


15,405 00 


106 


14,840 00 


15,250 00 


102 


15,300 00 


26,925 00 


97 


24,250 00 


$725,351 42 


$774,638 50 



THE DELAWARE INSURANCE CO. 



205 



THE DELAWARE INSURANCE COMPANY OF PHILADELPHIA, 

PHILADELPHIA, PA. 

Incorporated April 10, 1835. Commenced business Aug. 6, 1835. 

Paid-up Capital, $400,000. 

JOHN S. BIOREN, President. J. PARSONS SMITH, Jh., Secretary. 

Home Office, Third and Walnut Streets. 



Income. 

Net fire premiums, . . 

Deposit premiums on perpetual risks, ..... 

Gross interest on mortgages, $4,972.89; collaterals, $516.11; 
stocks and bonds, $54,756.55; bank deposits, $1,721.52; dis- 
count on losses, $1,984.91; gross rents, including $10,000 for 
company's own occupancy, $14,993.50, .... 

Gross profit on sale or maturity of bonds, .... 

Sale of rights, ......... 

From all other sources, . . . . 

Total income, ....... 

Ledger assets, Dec. 31, 1908, ...... 



,679,357 73 
6,542 84 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Deposit premiums returned, . 
Dividends to stockholders, ..... 

Commissions or brokerage, ..... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, including $10,000 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters ' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 
Taxes on real estate, . . . 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Gross loss on sale of stocks and bonds, 
Gross decrease in book value of bonds, 
Agents' balances charged off, ..... 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 



78,945 48 

13,377 38 

895 85 

327 52 

$1,779,446 80 
2,029,733 32 

$3,809,180 12 



$807,756 78 

18,738 01 

4,176 72 

60,000 00 

480,525 56 

43,958 00. 

43,410 64 

12,124 18 

12,267 38 

7,964 87 

126 85 

281 18 

3,998 37 

20,219 45 

8,495 39 

1,747 74 

4,662 32 

2,074 00 

21,800 90 

8,962 57 

2,590 87 

14,114 82 

454 30 

2,004 42 

9,584 71 

$1,592,040 03 

$2,217, 140 j)9 



206 



THE DELAWARE INSURANCE CO. 



Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 

Book value of stocks and bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Cash in hands of special agents, 

Deposit with Philadelphia Underwriters' Association 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $1,310.79; bonds, $15,617.92, 
Rents accrued on company's property, 
Market value of stocks and bonds over book value, . 

Gross assets, ....... 

Assets not admitted. 

Agents' balances over three months due, 
Cash in hands of special agents, .... 
Deposit with Philadelphia Underwriters' Association, . 
Special deposits less $1,500 liability thereon, . 

Admitted assets, ........ 

Liabilities. 
Unpaid losses, including $8,825 resisted, $169,960; less rein- 
surance, $22,815, 

Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 



$200,000 00 

89,500 00 

1,279,543 85 

11,122 72 

216,923 62 

419,649 90 

300 00 

100 00 

$2,217,140 09 



16,928 71 

878 67 

19,227 90 

$2,254,175 37 



$1,250 00 

300 00 

100 00 

8,300 00 



9,950 00 



Total, 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, .... 

Total liabilities and surplus, 

Risks and Premiums. 



$400,000 00 
178,109 09 



$2,244,225 37 



$147,145 00 

1,325,243 88 

128,112 65 

617 37 

49,997 38 

15,000 00 

$1,666,116 28 



578,109 09 
$2,244,225 37 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Risks. Premiums. 

$235,705,438 00 $2,505,651 18 
203,615,153 00 2,413,348 25 



$439,320,591 00 $4,918,999 43 
183,261,297 00 2,072,360 25 



$256,059,294 00 $2,846,639 18 
27,307,544 00 313,577 69 



Net amount in force, .... $228,751,750 00 $2,533,061 49 
Perpetual risks in force (not included above), . $4,933,942 00 $141,859 99 



THE DELAWARE INSURANCE CO. 



207 



Book Value. 
$36,125 00 

97,991 65 

8,839 14 

18,698 75 

150 00 
1,000 00 
375 00 
100 00 
500 00 

1,016 80 

28,342 60 

9,925 00 

10,200 00 

26,031 62 

19,450 00 

26,044 79 



Miscellaneous. 
Xet premiums received from organization of company, 

- losses paid from organization of company. 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (15 per cent.), 
Par value of company's stock owned by directors, 

Schedule A. Stocks and Bonds owned by the 

Railroad Stocks. 
500 shares Consolidated Traction Co. of N. J., 
249 " Frankford & Southwark Passenger, 
100 " Philadelphia Traction Co., 
70 " Second & Third St s., 

Miscellaneous Stocks. 
3 shares General Adjustment Bureau, 
20 " Philadelphia Bourse, 
15 " Philadelphia Bourse preferred, . 
2 " Southern Adjustment Bureau, . 
5 " Underwriters' Salvage Co. of N. Y., 
State and Municipal Bond 
Camden. N. J., 4s, 1912, . 
Duquesne, Pa., 4+s, 1925-28, 
Duquesne, Pa., Us, 1929-31, 
Georgia 3+s, 1927, .. 
Montreal. Can., 4s, 1949, . 
New York. N. Y., 4+s, 1957, 
Norfolk, Va., 4s, 193*9, 
Philadelphia, Pa., 4s, 1938, 

Railroad Bonds. 
American Railways col. trust 5s, 1917, 
American Railways conv. 4^s, 1959, . 
Boston & Worcester St. 1st" mort. 4+s, 1923, 
Brooklvn Rapid Transit 1st mort. 4s, 2002. 
Chicago, Rock Island & Pac. col. 4s, 2002, 
Delaware A Hudson conv. 4s, 1916, . 
East McKeesport Street 1st mort. 5s, 1929, 
Easton & S. Bethlehem Transit 1st mort. 5s, 1936 
Ft. W. & W. Yal. Trac. 1st cons. mort. 5s, 1934, 
Ft. Worth A- Rio Grande 1st mort. 4s, 1928, 
Indianapolis Northern Trac. 1st mort. 5s, 1932, 
Interborough-Metropolitan Co. cons. 4-^s, 1956, 
Iowa Central 1st refunding mort. 4s, 1951, 
Kansas City Southern refunding mort. 5s, 1950, 
Lake Shore A- Michigan Southern 4s, 1931, 
Lehigh Valley cons. mort. 4^s, 1923, . 
Lynchburg Traction & Light Co. conv. 6s, 1917, 
Missouri, Kan. & Tex. 1st refunding mort. 4s, 2004 

! Missouri Pacific equipment 5s, 1915, . 
Missouri Pacific equipment 4s, 1945, . 
New York Cent. & Hudson Riv. deb. 4s, 1934, 
New York, N. H. & H. conv. deb. 3£s, 1956, 
- Norfolk A Western gen. mort. 4s, 1944, 
: Pitts., Shawmut & North, rec. certs. 5s, 1911, 
Roanoke Traction At Light Co. 1st mort. 5s, 1958 
St. Louis Merchants Bridge Terminal 5s, 1930, 
Southern Pacific convertible 4s, 1929, 
Southern Traction Co. of Pitts. 1st mort. 5s, 1950 
United Railroads of San Francisco 4s, 1927, 
Cnited Railways trust certs. 4s, 1949, 
Lnited Railways Investment Co. col. 5s, 1926, 
Wabash-Pittsburg Terminal 1st mort. 4s, 1954, 

Miscellaneous Bonds. 
American Agricul. Chemical Co. 5s, 1928, . 
American Telephone A Telegraph Co. 4s, 1936, 
Delano Land Co. 5s. 1932, 
Equitable Ilium. Gas Light Co. 5s, 1928, . 
Nat. Gas. Elec. Lt. A Power Co. col. tr. 6s, 1912, 
Westinghouse Elec. A Mfg. Co. 5s, 1931, . 



00 
00 
00 
25 
79 
74 
44 



37,975 
17,500 
23,171 
34,656 
35,617 
24,2S8 

8,473 
19,819 44 
19,033 34 
17.650 00 
14,362 50 
16,275 00 

7,500 00 
20,300 00 
19,325 00 
101,037 50 
25,000 00 
22,894 16 
23,810 00 
19,843 75 
23,775 00 
24,693 25 
19,540 00 
24,147 50 
22,000 00 
25,218 62 
48,843 75 
10,432 
20,281 
20,975 
78,214 



76 
25 

00 
00 



13,931 25 

19,020 71 
43,0S1 25 
30,2S1 25 
18,135 00 
25.000 00 
IS, 650 00 

81,279,543 S5 



143,354,403 00 

. 25,604,255 00 

. 3,049,967 04 

858,731 00 

60,000 00 

51,740 00 



Company. 

Rate. Market Value. 
839,000 00 
98.853 00 
8,900 00 
19,600 00 



7S 
794 
17S 
560 



100 

10 

17 

100 

125 

100 

106 

107 

99 

98 

111 

96 

103 

95 

90 

97 

87 

84 

103 

105 

98 

81 

86 

91 

84 

76 

103 

95 

106 

100 

85 

101 

82 

96 

102 

93 

99 

90 

109 

106 

97 

74 

79 

S6 

54 

102 
106 
10S 
106 
101 
93 



1 
14 
12 
9 
9 
27 
19 
25 

38 
15 
22 
34 
42 
24 

8 
19 
16 
17 
13 
16 

7 
20 
19 
106 
25 
25 
25 
20 
24 
25 
18 
24 
22 
27 
53 

9 
18 
19 
77 

8 

20 
47 
32 
IS 
25 
IS 



150 00 
100 00 
63 75 
100 00 
625 00 

000 00 
840 00 
S40 00 
900 00 
800 00 
750 00 
200 00 
750 00 

000 00 
750 00 
310 00 
800 00 
000 00 
720 00 
400 00 
600 00 
200 00 
200 00 
650 00 
S00 00 
600 00 
600 00 
000 00 
000 00 
000 00 
500 00 
250 00 
500 00 
000 00 
500 00 
600 00 
750 00 
500 00 
250 00 
000 00 
700 00 
500 00 
750 00 
400 00 
100 00 

400 00 
700 00 
400 00 
020 00 
250 00 
600 00 



$1,298,771 75 



208 



THE DETROIT FIRE AND MARINE INSURANCE CO. 



THE DETROIT FIRE AND MARINE INSURANCE COMPANY, 

DETROIT, MICH. 

Incorporated Feb. 1, 1866. Commenced business March 14, 1866. 

Paid-up Capital, $500,000. 
E. H. BUTLER, President. A. H. McDONELL, Secretary. 

Home Office, 100 Griswold Street. 



Income. 

Net fire premiums, $554,004.61; marine, $21,718.65, 

Gross interest on mortgages, $41,511.90; collaterals, $1,659.75; 

bonds, $31,329.78 ; bank deposits, $859.32 ; all other, $13,440.71 ; 

gross rents, $739.75, ........ 

Gross profit on sale of real estate, ...... 

Gross increase in book value of real estate, .... 

Salvage held awaiting adjustment, ...... 

Total income, ........ 

Ledger assets, Dec. 31, 1908, ....... 



$575,723 26 



89,541 21 

937 25 

994 37 

1,758 87 

$668,954 96 
1,910,399 25 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, $278,539.44 

marine, $18,059.54, 

Expenses of adjustment and settlement of losses, 
Dividends to stockholders, .... 

Commissions or brokerage, .... 

Agency expenses, ...... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, -printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross loss on sale of real estate, 

Gross decrease in book value of ledger assets, 

Salvage previously held awaiting adjustment, 

Agents' balances charged off, . 

All other disbursements, 

Total disbursements, 

Balance, ..... 



$2,579,354 21 


$296,598 98 

5,095 07 

62,500 00 

124,459 03 


561 01 


15,684 75 

34,345 31 

4,390 00 

3,220 92 

3,294 21 

900 00 


19 60 


1,630 67 
6,622 89 
4,786 17 


464 56 


28 60 


1,294 92 
7,321 93 
1,705 50 
9,542 61 
238 29 


4,172 84 


25 00 


7 09 



1,769 56 



$590,679 51 
$1,988,674 70 



THE DETROIT FIRE AND MARINE INSURANCE CO. 



209 



Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 

Loans secured by collateral (schedule A), 

Book value of bonds (schedule B), . 

Cash in office. ...... 

Deposits in trust companies and banks on interest, 

Agents' balances, . 

Due from other companies, .... 

Total ledger asse- .... 

Xon-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $11,273.31; bonds, $12,320.59; collateral loans, 

1222.65; other assets, $2,132.70, . . . ... 

Market value of bonds over book value, ..... 

Gross assets, ......... 

Assets not admitted. 

Agents' balances over three months due, . . $1,788 56 

Due from unauthorized companies, . . . 346 53 

Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $18,300 resisted, $68,769.40; less rein- 
surance, $6,021.50, ...... 

Unearned premiums on outstanding risks, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Salvage held awaiting adjustment, 

Total, . . . 

Cash capital, $500,000 00 

Surplus over all liabilities, . . . 981,441 98 

Surplus to policy holders, 



$232,589 78 

707,474 23 

27,150 00 

882,250 00 

1,201 41 

57,777 12 

79,503 53 

728 63 

$1,988,674 70 



25,949 25 
24,576 00 

5,039,199 95 



2,135 09 
$2,037,064 86 



$62,747 90 

480,674 93 

179 88 

7,250 00 

4,770 17 

$555,622 88 



Total liabilities and surplus, 

Risks and Premiums. 



1,481,441 98 
$2,037,064 86 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Xet amount in force, 



Marine risks written during the year, 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Risks. 

$85,745,183 00 
63,291,532 00 

$149,036,715 00 
55,952,772 00 

$93,083,943 00 
9,204,788 00 



Premiums. 

$971,199 85 
740,824 17 

$1,712,024 02 
685,714 81 

$1,026,309 21 
95,361 56 



$83,879,155 00 $930,947 65 



$4,853,819 00 

4,763,819 00 

$90,000 00 
90,000 00 



.104 36 
22,004 36 

$3,100 00 

3,100 00 



210 



THE DETROIT FIRE AND MARINE INSURANCE CO. 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, . 

Dividends declared during the year (12^ per cent.), • 

Par value of company's stock owned by directors, 

Schedule A. Securities held as Collateral. 

Company's 
Market Value. 



$11,942,984 87 

6,111,641 42 

1,491,000 00 

350,000 00 

284,276 54 

11,767 48 

62,500 00 

110,500 00 



100 shares Pacific Lumber Co., .... 

10 " Wayne County Savings Bank, . 
Detroit, Monroe & Toledo Short Line Ry. 5s, 1933, 
Detroit, Monroe & Toledo Short Line Ry. 5s, 1933, 
Detroit, Monroe & Toledo Short Line Ry. 5s, 1933, 



$10,000 00 
4,000 00 
9,800 00 
2,940 00 
7,840 00 



Schedule B. Bonds owned by the Company. 



Government Bonds. 
United States consols 2s, 1930, . 

State and Municipal Bonds 
Arizona 4s, 1956 op. 1926, 
Arizona 5s, 1942 op. 1912, 
Arizona 5s, 1948 op. 1918, 
Arizona 5s, 1946 op. 1916, 
Detroit, Mich., 4s, 1921-22, 
Detroit, Mich., -Is, 1913, . 
Detroit, Mich., 3.50s, 1926-32, 
Detroit, Mich., 3.50s, 1916, 
Detroit, Mich., 3.50s, 1911, 
Detroit, Mich., 3.65s, 1918, 
Detroit, Mich., 4s, 1919-20, 
Detroit, Mich., 4s, 1924, . 
Detroit, Mich., 4s, 1926-35, 
Flint, Mich., 4s, 1934, 
Grand Rapids, Mich., 4.50s, 1912-13, 
Grand Rapids, Mich., 4.50s, 1914, 
Grand Rapids, Mich., 4s, 1929, . 
Hawaii 4s, 1918 op. 1908, 
Hawaii 3.50s, 1921 op. 1911, . 
Hawaii 4.25s, 1920 op. 1910, . 
Kalamazoo, Mich., 4.50s, 1917, 
Kalamazoo, Mich., 4.50s, 1918, 
New Mexico 4s, 1937 op. 1927, . 
New Mexico 5s, 1921 op. 1911, . 
Saginaw, Mich., 4s, 1910-16, 
Saginaw, Mich., 3.50s, 1910, 
Saginaw, Mich., 3.50s, 1911-12, 
Saginaw, Mich., 3.50s, 1913-14, 
Saginaw, Mich., 3.50s, 1915-16, 

Miscellaneous Bonds. 
American Lumber Co. 6s, 1916-18, 
Bliss Cook Co. 6s, 1910-11, 
Chesbrough Lumber Co. 6s, 1911-13, 
Detroit Citv Gas Co. 5s, 1923, . 
Hotchkiss timber Co. of Cal. 6s, 1915-17, 
Pacific Lumber Co. of Maine 6s, 1911-15, 
Southern Pine Lumber Co. of Texas 6s, 1913, 
Union Lumber Co. of Cal. 6s, 1912-14, 
Yosemite Steam. Co., Detroit, Mich., 5s, 1915-17, 



Book Value. 
$80,000 00 

25,000 00 

10,000 00 

9,000 00 

6,000 00 

70,000 00 

5,000 00 

108,000 00 

38,000 00 

30,000 00 

3,000 00 

85,000 00 

68,000 00 

56,000 00 

20,000 00 

22.000 00 

11,000 00 

10,000 00 

12,000 00 

25,000 00 

8.000 00 

1,500 00 

1,000 00 

15,000 00 

15,000 00 

42,350 00 

900 00 

1,400 00 

6,800 00 

7,300 00 

10,000 00 
5,000 00 
10,000 00 
10,000 00 
10,000 00 
20,000 00 
5,000 00 
10,000 00 
10,000 00 

$882,250 00 



Rate. 
102 

101 

103 
108 
106 
106 
102 
102 
101 
100 
102 
105 
107 
108 
100 
101 
102 
99 
100 
99 
100 
103 
104 
104 
103 
100 
100 
99 
98 
97 

100 
100 
100 
101 
100 
100 
100 
100 
100 



Loaned 
Thereon. 

$5,000 00 
3,250 00 
0,000 00 
2,700 00 
7,200 00 



$34,580 00 $27,150 00 



Market Value. 
$81,600 00 

25,250 00 

10,300 00 

9,720 00 

6,360 00 

74,200 00 

5,100 00 

110,160 00 

38,380 00 

30,000 00 

3,060 00 

89,250 00 

72,760 00 

60,480 00 

20,000 00 

22,220 00 

11,220 00 

9,000 00 

12,000 00 

24,750 00 

8,000 00 

1,545 00 

1,040 00 

15,600 00 

15,450 00 

42,350 00 

900 00 

1,386 00 

6,664 00 

7,081 00 

10,000 00 

5,000 00 

10,000 00 

10,100 00 

10,000 00 

20,000 00 

5,000 00 

10,000 00 

10,000 00 



$906,826 00 



DIXIE FIRE INSURANCE CO. 



211 



DIXIE FIRE INSURANCE COMPANY, GREENSBORO, N. C. 

Incorporated March, 1906. Commenced business September, 1906. 

Cash Capital, $500,000. 
ASHLEY HORNE, President. F. M. GARNER, Secretary 

Home Office, 125 South Elm Street. 

Income. 

Net fire premiums, ........ 

Gross interest on mortgages, $16,620.80; collaterals, $7,711.35; 
stocks and bonds, $24,775.32; bank deposits, $6,784.60; gross 
rents, including $1,770.80 for company's own occupancy, 
$10,360.62, 

Gross profit on sale of stocks, ...... 

Gross increase in book value of stocks and bonds, 



Total income, ....... 

Ledger assets, Dec. 31, 1908, plus $535,658.70 North State,* 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, .... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Repairs and expenses on real estate, 

Taxes on real estate, ..... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Gross loss on sale of bonds, .... 

Gross decrease in book value of stocks and bonds, 
Traveling expenses, ..... 

Paid general agents for cancellation of contracts, 
Agents' balances charged off, .... 

All other disbursements, .... 

Total disbursements, .... 



Balance, 

Book value of real estate, 
Mortgage loans on real estate, 



$760,344 04 



66,252 69 

2,000 00 

14,715 87 



Ledger Assets. 



$843,312 60 
1,669,970 22 

52,513,282 82 



$739,183 82 

12,542 75 

221,113 56 

18,072 75 

44,334 86 

1,770 80 

8,995 94 

6,343 67 

2,224 00 

545 51 

1,931 35 

4,767 49 

4,948 85 

5,315 88 

1,520 00 

20,027 88 

8,898 00 

21,518 51 

16,500 00 

11,449 59 

2,454 32 

. 10,600 00 

556 40 

1,697 90 

$1,167,313 83 

$1,345,968 99 



$100,000 00 
249,820 23 



* Consolidated with Dixie during 1909. 



212 



DIXIE FIRE INSURANCE CO. 



Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Deposit with Western Sprinkler Risks Association, 
Due from other companies, .... 

Total ledger assets, .... 



$86,200 00 

708,010 00 

1,033 66 

52,950 35 

141,509 75 

500 00 

5,945 00 

$1,345,968 99 



Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $4,081.76; bonds, $9,654.16; collateral loans, $671.94; 

other assets, $1,471.32; dividends on stocks, $541.66, . . 16,420 84 

Rents accrued on company's property, .... 918 75 

Gross assets, ........ 



. $1,363,308 58 



Assets not admitted. 

Agents' balances over three months due, 

Book value of stocks and bonds over market value, 

Due from unauthorized companies, 

Dividends on stocks, ..... 

Deposit with Western Sprinkler Risks Association, 

Admitted assets, ..... 



$21,456 48 

250 00 

3,909 15 

541 66 

500 00 



26,657 29 



. $1,336,651 29 



Liabilities. 
Unpaid losses, including $1,972 resisted, $75,761.15; less rein- 
surance, $5,145.05, ........ 

Unearned premiums on outstanding risks, .... 

Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 



Total, 

Cash capital, ...... 

Surplus over alienabilities, .... 

Surplus to policy holders, . . . . - 

Total liabilities and surplus, 

Risks and Premiums. 



$500,000 00 
237,276 06 



$70,616 10 

513,759 13 

7,500 00 

7,500 00 

$599,375 23 

737,276 06 
$1,336,651 29 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Ex pired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. Premiums. 

*$110,795,569 00 *$1,618,924 47 
90,587,712 00 1,426,443 43 



$201,383,281 00 $3,045,367 90 

124,439,965 00 1,943,853 93 

$76,943,316 00 $1,101,513 97 

7,148,330 00 102,548 93 



$69,794,986 00 $998,965 04 



* Includes business of North State. 



DIXIE FIRE INSURANCE CO. 



213 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Par value of company's stock owned by directors, 

Schedule A. Securities held as Collateral. 

Company's 
Market Value. 



$2,713,631 02 

1,466,318 56 

40,000 00 

713,123 51 

231,700 00 



20 shares Com. National Bank, Greensboro, N. C, 
Snow Lumber Co., High Point, N. C, 6s, 1917, . 
150 shares Scotland Neck Cotton Mill, 

50 " Scotland Neck Land Co., . 
High Point Electric Power Co. 5s, 1913, 

80 shares Belhaven Ice Co., . 

24 " McClamrock Mantle Co., . 

24 " McClamrock Mantle Co., . 

10 " McLean Co., preferred, 

10 " McLean Co., common, 

50 " High Point Pipe and Foundry Co., 
100 " Leon Lumber Co., .... 
Durham Hosiery Mills Co. notes, 6s, 1911, . 
140 shares Bank of Maxton, .... 

10 " Murchison National Bank, Wilmington, 

60 " United Lumber Co., Maxton, 

50 " First National Bank, Durham, . 



$2,200 00 
70,000 00 
18,750 00 

5,000 00 
13,000 00 
10,000 00 

2,400 00 

2,400 

1,000 

1,000 

7,500 
12,500 00 
10,000 00 j 
21,000 00 

1,500 00 

3,000 00 

5,000 00 

$186,250 00 



00 
00 
00 
00 



Loaned 
Thereon. 

$1,500 00 
25,000 00 

15,000 00 

13,000 00 
8,000 00 
1,600 00 
1,600 00 

1,000 00 
10,000 00 



7,000 00 

2,500 00 

$86,200 00 



Schedule B. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
100 shares Atlantic Coast Line, 
100 " Great Northern, preferred, 
100 " Northern Pacific, 
50 " Union Pacific, .... 
Miscellaneous Stocks. 
4 shares General Adjust. Bureau, . 
1 " Western Adjust. & Inspection Co., 

Government Bonds. 
United States 2s, 1930, .... 
United States Philippine Island 4s, 1934, . 
United States Philippine Island 4s, 1936, . 

State and Municipal Bonds. 
Georgia 4^s, 1915, ..... 
North Carolina 4s, 1910-13, 
Richmond, Va., 4s, 1941, .... 
Wilson Township, N. C, 5s, 1938, 

Railroad Bonds. 
Atch., Top. & Santa Fe 1st mort. 4s, 1958, 
Atlantic Coast Line 1st mortgage 4s, 1952, 
Buffalo Susquehanna 1st mort. ref. 4s, 1951, 
Ch., Ind. & Louis. 1st mort. (Ind. & L.) 4s, 1956, 
Chic, Rock Island & Pac. 1st mort. 4s, 1934, 
Florida Central 1st mortgage 6s, 1910-14, . 
Iowa Central 1st mort. refunding 4s, 1951, . 
Norfolk & So. 1st mort. (Ral. & Pam.) 5s, 1934, 
Southern Pacific 1st mort. refunding 4s, 1955, 
Southern Pacific 4^s, 1929, 

Miscellaneous Bonds. 
Atlantic Christian College 6s, 1916, . 
Peace Institute, Raleigh, N. C, 5s, 1917, 



Book Value. 
$13,700 00 
14,400 00 
14,600 00 
10,300 00 

200 00 
200 00 

76,500 00 
31,200 00 
21,200 00 

21,000 00 

103,400 00 

35,350 00 

41,600 00 

9,400 00 
24,000 00 

8,200 00 
23,500 00 

9,100 00 

200,000 00 

15,960 00 

5,000 00 

9,500 00 
10,000 00 

9,200 00 
500 00 

$708,010 00 



Rate. 
137 
144 
146 
206 

100 
100 

102 
104 
106 

105 
100 
101 
104 

94 
96 
82 
93 
91 

100 
76 

100 
95 

100 

100 
100 



Market Value. 

$13,700 00 

14,400 00 

14,600 00 

10,300 00 

200 00 
200 00 

76,500 00 
31,200 00 
21,200 00 

21,000 00 

103,400 00 

35,350 00 

41,600 00 

9,400 00 
24,000 00 

8,200 00 

23,250 00 

S?9,100 00 

200,000 00 

15,960 00 

5,000 00 

9,500 00 
10,000 00 

9,200 00 
500 00 

$707,760 00 



214 



DUBUQUE FIRE AND MARINE INSURANCE CO. 



DUBUQUE FIRE AND MARINE INSURANCE COMPANY, 

DUBUQUE, IA. 

Incorporated July 18, 1883. Commenced business July 18, 1883. 

Cash Capital, $200,000. 

JOHN ELLWANGER, President. N. J. SCHRUP, Secretary. 

Home Office, Bank and Insurance Building. 

Income. 

Net fire premiums, ........ 

Gross interest on mortgages, $38,168.38; collaterals, $503.33; 
stocks and bonds, $14,482.35; bank deposits, $1,790.96; all 
other, $1 ,458.25 ; gross rents, $240, 

Gross profit on sale of bonds, ...... 



Total income, 
Ledger assets, Dec. 31, 1908, 

Total, . 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ..... 

Commissions or brokerage, ..... 

Salaries and expenses of special and general agents, . 
Salaries, fees, etc., of officers and employees, . 
Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Taxes on real estate, ...... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Total disbursements, ..... 



Balance, 



Ledger Assets. 



Book value of real estate, .... 

Mortgage loans on real estate, 

Loans secured by collateral (schedule A), 

Book value of stocks and bonds (schedule B), . 

Deposits in trust companies and banks on interest, 

Agents' balances, ...... 

Total ledger assets, .... 



$639,538 07 



56 643 27 
325 00 



$696,506 34 
1,058,894 09 

$1,755,400 43 





$301,651 55 . 




9,814 96 




40,000 00 




160,164 75 • 




33,921 18 




26,391 90 1 




1,945 00 1 




4,813 86 1 




6,603 39 




170 34 




1,500 64 




3,345 60 




5,156 25 




3,800 50 




30 02 




9,820 13 




4,555 14 




2,574 97 




. $616,260 18 


. $1,139,140 25 


$3,000 00 




694,727 36 




12,700 00 




287,981 25 




60,592 24 ] 




80,139 40 



$1,139,140 21 



DUBUQUE FIRE AND MARINE INSURANCE CO. 



215 



Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $17,572.06; bonds, $3,897.24; collateral loans, 

$313.73, 

Market value of stocks and bonds over book value, . 

Due from local agency, ........ 

Gross assets, ......... 

Assets not admitted. 
Agents' balances over three months due, .... 

Admitted assets, ........ 

Liabilities. 
Unpaid losses, ......... 

Unearned premiums on outstanding risks, .... 

Taxes and miscellaneous accounts due or accrued, 

Total, 

Cash capital, $200,000 00 

Surplus over all liabilities, .... 326,392 56 
Surplus to policy holders, .... 

Total liabilities and surplus, ..... 

Risks and Premiums. 



$21,783 03 
16,363 75 

4,968 72 

$1,182,255 75 

4,680 19 
$1,177,575 56 



$24,965 45 

601,217 55 

25,000 00 

$651,183 00 



526,392 56 
. $1,177,575 56 



Risks. Premiums. 

Fire risks in force Dec. 31, 1908, . . . $92,452,466 00 $1,142,292 42 

Fire risks written during the year, . . . 64,846,571 00 828,890 17 



Total, . 
Expired and terminated, 

In force at end of year, . 



$157,299,037 00 $1,971,182 59 
66,209,551 00 841,849 20 



$91,089,486 00 $1,129,333 39 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (20 per cent.), 

Par value of company's stock owned by directors, 



$4,402,729 28 

1,733,787 91 

353,000 00 

100,000 00 

287,557 51 

40,000 00 

150,000 00 



Schedule A. Securities held as Collateral. 

Company's Loaned 

Market Value. . Thereon. 

50 shares German Savings Bank, Dubuque, la., . . $6,000 00 $2,600 00 

25 " German Savings Bank, Dubuque, la., . . 3,000 00 2,000 00 

25 " German Savings Bank, Dubuque, la., . . 3,000 00 2,000 00 

50 " German State Bank, Dversville, la., . . . 5,000 00 3,500 00 

Certificates of deposit, Farmers' State Bk., Dversville, la., . 3,000 00 2,600 00 



$20,000 00 $12,700 00 



216 



DUTCHESS FIRE INSURANCE CO. 



Schedule B. Stocks and Bonds owned by the Company. 



Bank Stocks. Book Value. Rate. 

250 shares German Savings, Dubuque, la., . $30,000 00 120 

Miscellaneous Stocks. 

100 shares Bank & Ins. Bldg., Dubuque, la., . 10,000 00 100 

25 " Mason City L. & T. Co., Mason City, la., 2,500 00 115 
Municipal Bonds. 

Chicago, 111., 5s, 1911, \ iqrnnnn/ 102 

Chicago, 111., 5s, 1912, / lrf ^ uu uu { i 3 

Dubuque, la., 4s, 1916, 11,000 00 100 

Railroad Bonds. 

Chicago City 1st mortgage 5s, 1927, . . . 48,875 00 104 

Chicago Rys. 1st mortgage 5s, 1927, . . . 50,000 00 101 

Chippewa Valley Ry., Lt. & P. Co. 5s, 1924, . 4,362 50 97 

Miscellaneous Bonds. 

Denver Reservoir Irrigation Co. 6s, 1913, . . 8,500 00 100 

Dubuque & Wis. Bridge Co. 5s, 1917, . . 1,000 00 100 

Laclede Gas Light Co. 5s, 1934, . . . 10,150 00 101 

National Brick Co. 5£s, 1910-15, . . . 16,000 00 100 

Pacific Telephone & Telegraph Co. 5s, 1937, . 19,050 00 100 

Union Electric Lt. & Power Co. 5s, 1933, . . 18,650 00 98 

U. S. Steel Corporation 5s, 1963, . . . 44,393 75 105 

$287,981 25 



Market Value. 
$30,000 00 

10,000 00 
2,875 00 

3,060 00 
12,360 00 
11,000 00 

52,000 00 

50,500 00 

4,850 00 

8,500 00 
1,000 00 
10,100 00 
16,000 00 
20,000 00 
19,600 00 
52,500 00 

$304,345 00 



DUTCHESS FIRE INSURANCE COMPANY, POUGHKEEPSIE, N. Y. 

Incorporated Aug. 18, 1906. Commenced business Aug. 22, 1906. 

Paid-up Capital, $200,000. 
L. H. VAIL, President. J. J. GRAHAM, Secretary. 

Home Office, 39 Market Street. 

Income. 
Net fire premiums, ... . . . $403,036 88 

Gross interest on mortgages, $607.09; stocks and bonds, 
$23,362.48; all other, $8.68; gross rents, including $1,200 
for company's own occupancy, $1,522, .... 25,500 25 

Gross profit on maturity of bonds, ...... 56 83 

Sale of rights, 774 13 

Agents' balances previously charged off, . . . 10 30 

Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, .... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, . 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 







$429,378 39 


• 


634,057 76 


. $1,063,436 15 


. $242,987 35 






3,522 70 






107,156 45 






6,152 20 






20,270 66 






1,200 00 






2,105 99 






2,032 38 






56 15 






80 00 






1,237 74 






3,304 17 


axes, 




1,442 56 



DUTCHESS FIRE INSURANCE CO. 



217 



Repairs and expenses on real estate, ..... 
Taxes on real estate, ........ 

State taxes on premiums, 

Insurance department licenses and fees, ..... 
Gross loss on sale of stocks and bonds, ..... 
All other disbursements, ....... 


$44 81 
383 61 
5,081 05 
1,623 45 
3,322 50 
1,912 77 


Total disbursements, . • . 


$403,916 54 


Balance, •. 


$659,519 61 


Ledger Assets. 
Book value of real estate, ....... 

Mortgage loans on real estate, ...... 

Book value of stocks and bonds (schedule A), . 

Cash in office, ......... 

Deposits in trust companies and banks not on interest, 

Agents' balances, ......... 


$15,000 00 
25,300 00 

503,650 51 

5,859 62 

69,214 41 

40,495 07 


Total ledger assets, ....... 


$659,519 61 


Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $155.14; bonds, $2,018.55, . . . 
Market value of stocks and bonds over book value, . 


2,173 69 
23,204 49 


Gross assets, ......... 


$684,897 79 


Assets not admitted. 




Agents' balances over three months due, .... 


352 56 


Admitted assets, ........ 


$684,545 23 


Liabilities. 




Unpaid losses, including $2,800 resisted, $49,097.36; less rein- 
surance, $4,810.04, . . . 
Unearned premiums on outstanding risks, .... 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 
Due for reinsurance, . . 


$44,287 32 

298,371 16 

32 61 

4,277 12 
1,346 19 


Total, 

Cash capital, $200,000 00 

Surplus over all liabilities, .... 136,230 83 


$348,314 40 
336,230 83 


ouipiub to policy llUltlclo, .... 


Total liabilities and surplus, ...... 


$684,545 23 


Risks and Premiums. 

Risks. 

Fire risks in force Dec. 31, 1908, . . . $53,237,098 00 
Fire risks written during the year, . . . 44,649,756 00 


Premiums. 

$614,668 60 
542,518 85 


Total, $97,886,854 00 $1,157,187 45 

Expired and terminated, ... . . 41,847,415 00 519,508 03 


In force at end of year, $56,039,439 00 

Deduct amount reinsured, .... 4,871,222 00 


$637,679 42 
59,476 38 


Net amount in force, . . . . $51,168,217 00 


$578,203 04 






218 



DUTCHESS FIRE INSURANCE CO. 



Miscellaneous. 

Net premiums received from organization of company, 
Net losses paid from organization of company, 
Fire losses incurred during the year, 
Par value of company's stock owned by directors, 



$1,540,672 92 
676,271 56 
245,689 29 
115,800 00 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
200 shares Baltimore & Ohio, 
100 " Denver & Rio Grande, preferred, 
100 " Great Northern, preferred, 
100 " Louisville & Nashville, 
100 " Manhattan, 

50 " Northern Pacific, 
200 " Pennsylvania, . 

Bank Stocks. 

10 shares Fallkill National, Poughkeepsie, N. Y. 

20 " Farm. & Mfrs. Nat., Pough., N. Y., . 

10 " Merchants Nat., Poughkeepsie, N. Y., 

50 " Nat. Bank of Commerce, N. Y., N. Y., 
Miscellaneous Stocks. 
100 shares American Express Co., 
100 " American Telegraph & Cable Co. 
100 " American Tel. & Telegraph Co., 
200 " General Electric Company, 

1 " Louisville Property Company, . 
100 " National Lead Co., preferred, 
125 " William St. Offices, Inc., N. Y., N. Y., 

Municipal Bonds. 
Buffalo, N. Y., 3*s, 1920, 
Long Island, N. Y., 4£s, 1914, . 
New York, N. Y., 3£s, 1910, 
New York, N. Y., 3As, 1920, . 
New York, N. Y., 3*s, 1922, . 
New York, N. Y., 3s, 1923, 
New York, N. Y., 3£s, 1926-28, 
New York, N. Y., 3£s, 1929, . 
New York, N. Y., 44s, 1957, 
Poughkeepsie, N. Y., 3s, 1910, . 
Poughkeepsie, N. Y., 3s, 1911, . 
Poughkeepsie, N. Y., 3s, 1912, . 
Poughkeepsie, N. Y., 3s, 1913, . 
Poughkeepsie, N. Y.,.3s, 1914, . 
Poughkeepsie, N. Y., 3s, 1915-16, 
Poughkeepsie, N. Y., 3s, 1917, . 
Poughkeepsie, N. Y., 3s, 1918-19, 
Poughkeepsie, N. Y., 3s, 1920, . 
Poughkeepsie, N. Y., 3s, 1921-22, 
Poughkeepsie, N. Y., 3s, 1923-24, 
Poughkeepsie, N. Y., 3s, 1925-26, 
Poughkeepsie, N. Y., 3s, 1927-28, 
Poughkeepsie, N. Y., 3s, 1929-30, 
Poughkeepsie, N. Y., 3£s, 1923, 
Railroad Bonds. 
Chesapeake & Ohio 4*s, 1992, . 
Denver & Rio Grande 1st and ref. mort. 5s, 1955 
Detroit & Flint 1st cons. mort. 5s, 1921, 
Detroit United 1st cons. 4£s, 1932, . 
Iowa Central 1st mort. 5s, 1938, 
Lake Erie & Western 2d mort. 5s, 1941, 
St. Louis, Iron Mt. & Southern 5s, 1931, 
Southern Pac. Co. (Cent. Pac. col.) 4s, 1949, 
Tennessee Coal, Iron & R.R. 5s, 1951, 

Miscellaneous Bonds. 
American Writing Paper Co. 5s, 1919, 
Brooklyn Union Gas Co. 5s, 1945, 
Chicago Gas Light & Coke Co. 5s, 1937, 
General Electric Co. 5s, 1917, . 



Book Value. 

823,600 00 

8,812 50 

11,887 50 

14,700 00 

10,812 50 

5,581 25 

13,700 00 

1,500 00 
4,000 00 
1,500 00 
9,475 00 

23,500 00 
8,600 00 
12,937 50 
31,437 50 
100 00 
10,100 00 
12,500 00 

A 8,900 00 
5,187 50 
3,940 00 

57,600 00 
2,865 00 
2,707 25 

12,309 39 
9,430 00 

10,762 50 
1,429 93 
1,417 28 
1,405 07 
1,393 30 
1,382 
2,732 
1,350 
2,673 
1,323 
2,620 
2,589 
2,560 34 
2,533 28 

10,850 07 
9,395 00 

5,362 50 

9,300 00 

4,562 50 

4,700 00 

10,900 00 

11,075 00 

11,412 50 

9,200 00 

4,750 00 

4,250 00 

5,350 00 

10,400 00 

10,596 65 



12 
03 
79 
17 
13 
96 
50 



Rate. 
118 
87 
144 
158 
141 
146 
137 

165 
190 
148 
205 

300 
80 
143 
161 
45 
110 
100 

97 
102 
100 
96 
95 
90 
94 
93 
111 
100 
99 
98 
97 
96 
95 
94 
93 
92 
91 
90 
89 
88 
87 
95 

103 

94 

93 

82 

107 

107 

110 

92 

104 

88 
107 
105 
148 



Market Value. 

$23,600 00 

8,700 00 

14,400 00 

15,800 00 

14,100 00 

7,300 00 

13,700 00 

1,650 00 

3,800 00 

1,480 00 

10,250 00 

30,000 00 
8,000 00 
14,300 00 
32,200 00 
45 00 
11,000 00 
12,500 00 

19,400 00 
5,100 00 
4,000 00 

57,600 00 
2,850 00 
2,700 00 

12,220 00 
9,300 00 

11,100 00 
1,500 00 
1,485 00 
1,470 00 
1,455 00 
1,440 00 
2,850 00 
1,410 00 
2,790 00 
1,380 00 
2,730 00 
2,700 00 
2,670 00 
2,640 00 

11,310 00 
9,500 00 

5,150 00 

9,400 00 

4,650 00 

4,100 00 

10,700 00 

10,700 00 

11,000 00 

9,200 00 

5,200 00 

4,400 00 

5,350 00 

10,500 00 

14,800 00 



EASTERN FIRE INSURANCE CO. 



219 



Lehigh & Wilkesbarre Coal Co. 4*s, 1910, . 
Pacific Light & Power Co. 5s, 1942, . 
Poughkeepsie Electric Light & Power Co. 5s, 1914, 
United Fruit Co. 4^s, 1923, 
Western Union Telegraph Co. 4^s, 1950, 



Book Value. 


Rate. 


Market Value. 


$5,075 00 


100 


$5,000 


00 


4,925 


00 


95 


4,750 


00 


4,900 


00 


100 


5,000 


00 


7,640 


00 


96 


7,680 


00 


5,150 


00 


97 


4,850 


00 


$503,650 


51 


$526,855 


00 



EASTERN FIRE INSURANCE COMPANY, ATLANTIC CITY, N. J. 

Incorporated Oct. 4, 1902. Commenced business Oct. 21, 1902. 

Paid-up Capital, $207,066.66. 

ARVINE H. PHILLIPS, President. J. HAINES LIPPINCOTT, Secretary. 

Home Office, Corner Atlantic and N. North Carolina Avenues. 

Income. 

Net fire premiums, $199,315 91 

Gross interest on mortgages, $12,162.31; collaterals, $635.83; 

stocks and bonds, $8,294.59; all other, $3.10, . . . 21,095 83 

Gross profit on sale of stocks and bonds, . . . . . 1,935 50 

Premium on increase in capital, ...... 1,767 02 

. Total income, ...... 

Ledger assets, Dec. 31, 1908, plus $7,066.66 increase in capital, 

Total, 

Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, ..... 

Agency expenses, ....... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, * 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Gross loss on sale of bonds, ..... 

Agents' balances charged off, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 

Mortgage loans on real estate, .... 

Loans secured by collateral (schedule A), 





$224,114 26 


)ital, 


499,399 


29 


. $723,513 55 


. $220,181 


94 




2,693 


70 




52,007 


31 




286 


53 




10,917 


99 




17,128 


42 




1,280 00 




3,146 


85 




2,651 


83 




764 


67 




895 


57 




652 


53 




2,022 


60 




666 08 




288 86 




4,960 


13 




2,560 


59 




1,545 


87 




672 


50 




71 


55 


. $325,395 52 


. $398,118 03 


. $206,160 00 


• 


10,500 00 



220 



EASTERN FIRE INSURANCE CO. 



Book value of bonds (schedule B), . 

Cash in office, ........ 

Deposits in trust companies and banks not on interest, 
Agents' balances, ........ 

Total ledger assets, ...... 

Non-Ledger Assets. 
Interest due and accrued on : — 
Mortgages, $5,460.01; bonds, $1,372.21, . 
Market value of bonds over book value, .... 

Gross assets, ........ 

Assets not admitted. 
Agents' balances over three months due, 

Admitted assets, ....... 

Liabilities. 

Unpaid losses, including $3,978.50 resisted, $52,551.22; less rein 
surance, $1,103.85, ...... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Interest paid in advance on collateral loans, 



$113,015 00 

2,948 81 

19,668 54 

45,825 68 

$398,118 03 



6,832 22 
205 00 

$405,155 25 

984 24 
$404,171 01 



$51,447 37 

104,898 83 

1,313 30 

1,043 89 

2,824 25 

132 43 

$161,660 07 



Total, 

Cash capital, $207,066 66 

Surplus over all liabilities, .... 35,444 28 

Surplus to policy holders, .... 242,510 94 

Total liabilities and surplus, $404,171 01 

Risks and Premiums. 

Risks. Premiums. 

Fire risks in force Dec. 31, 1908, . . . $31,521,118 00 $437,459 13 

Fire risks written during the year, . . . 27,808,815 00 428,332 97 



Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$59,329,933 00 $865,792 10 
29,824,907 00 460,732 26 



$29,505,026 00 $405,059 84 
14,848,783 00 204,311 83 



$14,656,243 00 $200,748 01 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Par value of company's stock owned by directors, 



$1,430,389 98 
815,531 84 

72,000 00 
215,904 40 

50,866 67 



EMPIRE CITY FIRE INSURANCE CO. 



221 



Schedule A. Securities held as Collateral. 

Company's 
Market Value. 



50 shares Marine Trust Co., Atlantic City, N. J., 

13 " Second National Bank, Atlantic Citv. N. J., 

27 " Atlantic Safe Dep. & Tr. Co., Atlantic Citv, N. J. 



$13,750 00 

4,6S0 00 

14,850 00 

S33,2S0 00 

Schedule B. Bonds owned by the Company. 



County and Municipal Bonds 
Atlantic Citv, N. J., 4s, 1921, . 
Camden, N. J.. 4s, 1912, . 
Essex County, N. J., 4s, 1924, . 
Hudson County. N. J., 4s, 1924, 
Jersev Citv. N. J., 5s, 1912, 
Longport/N. J., 4s, 1936, 
Pleasantville, N. J., School 4s, 1912. 
Pleasantville, N. J., School 4s, 1917, 
Salem, N. J.. 3*s, 1919, . 
Woodbury, N. J., 4-^s, 1931-33, 

Railroad Bonds. 
Roanoke Traction & Light Co. 1st rnort. 5s, 1958, 



Book Value. 

850,000 00 

1,985 00 

10,000 00 

10,000 00 

5,000 00 

7,050 00 

5.000 00 

2.500 00 

7,4S0 00 

5,000 00 

9,000 00 
8113,015 00 



Rate. 

99 

100 

101 

100 

103 

98 

99 

98 

94 

104 

90 



Loaned 
Thereon. 

85,000 00 
5,500 00 



810.500 00 



Market Value. 
849,500 00 

2,000 00 
10.100 00 
10,000 00 

5.150 00 

7,350 

4.950 

2.450 

7.520 

5,200 



00 
00 
00 
00 
00 



9.000 00 



8113,220 00 



EMPIRE CITY FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

Incorporated Oct. 1, 1850. Commenced business Oct. 5, 1S50. 

Paid-ttp Capital, $200,000. 
DAVID J. BURTIS, President. ERNEST L. ALLEN, Secretary. 

Home Office, 95 William Street. 

Income. 
Net fire premiums, ........ §525,681 62 

Gross interest on mortgages, S4,925; collaterals, 8222.62; stocks 

and bonds, $17,481.34; bank deposits, $798.59, . . . 23,427 55 

Gross profit on sale of bonds, ...... 3,388 16 



Total income, ..... 

Ledger assets, Dec. 31, 1908, .... 

Total, 

Disbursements. 
Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, 
Commissions or brokerage, 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

State taxes on premiums, 

Insurance department licenses and fees, . 

Gross loss on sale of bonds, 

Ail other disbursements, 

Total disbursements, 

Balance, . . 



8552,497 33 
682,435 57 

81,234,932 90 



8243,554 97 

6,067 31 

16,000 00 

162,539 08 

8,585 04 

1,500 00 

1.223 01 

996 29 

1,987 30 

1.703 64 

5. 821 57 

1,410 85 

16,109 72 

194 74 

8467,693 52 

8767,239 38 



222 



EMPIRE CITY FIRE INSURANCE CO. 



Ledger Assets. 
Mortgage loans on real estate, ...... 

Loans secured by collateral (50 shares American Tobacco Co., 

pfd., and 50 shares National Biscuit Co., pfd.), 
Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, ....... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $1,182.08; bonds, $2,362.51; collateral loans, $125, 

Gross assets, ......... 

Assets not admitted. 
Book value of stocks and bonds over market value, . 

Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $1,500 resisted, $76,033; less rein- 
surance, $5,733, ........ 

Unearned premiums on outstanding risks, .... 

State, county and municipal taxes, due or accrued, . 



Total, 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, .... 

Total liabilities and surplus, 

Risks and Premiums. 



$200,000 00 
181,059 10 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$47,902,386 00 
66,574,426 00 

$114,476,812 00 
59,155,748 00 

$55,321,064 00 
8,082,356 00 



$144,000 00 

5,000 00 

429,840 50 

179 18 

43,227 10 

58,000 00 

86,992 60 

767,239 38 



3,669 59 
$770,908 97 

3,707 00 
$767,201 97 



$70,300 00 

308,342 87 

7,500 00 

$386,142 87 



381,059 10 
$767,201 97 



Premiums. 

$572,336 99 

797,876 60 

$1,370,213 59 

701,282 20 

$668,931 39 

73,664 19 



$47,238,708 00 $595,267 20 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (8 per cent.), 

Par value of company's stock owned by directors, 



$6,262,204 32 

3,297,936 54 

996,000 00 

262,003 28 

16,000 00 

178,700 00 



ENTEEPRISE MUTUAL FIRE INSURANCE CO. 



223 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
100 shares Delaware & Hudson, 
200 " Manhattan Elevated, 
-541 " Pennsylvania, .... 
100 " Union Pacific, .... 
Bank Stocks. 
50 shares Am. Exchange Nat., New York, N. Y., 
50 " Commerce National, . 
24 " Hanover National, . 

Miscellaneous Stocks. 
100 shares American Tel. & Telegraph Co., 
50 " Consolidated Gas Co., 
5 " Underwriters Salvage Co., New York, 
250 " William St. Offices, New York, . 

Municipal Bonds. 
New York, N. Y., 3$s, 1940, 
New York, N. Y., 3*s, 1928, . 
Railroad Bonds. 
Atch., Topeka & Santa Fe gen. mort. 4s, 1995, 
Chesapeake & Ohio 4£s, 1992, . 
Erie (Pennsylvania col.) 4s, 1951, 
Reading Co. & Phila. & Read. C. &. I. Co. 4s, 1997 
Southern Pacific convertible 4s, 1929, 

Miscellaneous Bonds. 
American Tobacco Co. 6s, 1944, 
Jones & Laughlin Steel Co. 5s, 1939, . 
N. Y. Gas & Elec. Lt., Ht. & Pow. Co. 5s, 1948, 
Pacific Telephone & Telegraph Co. 5s, 1937, 



Book Value. 


Rate. 


Market Value. 


$17,112 
26,600 
37,475 
18,900 


50 
00 
00 
00 


185 
141 
137 
206 


$18,500 00 
28,200 00 
37,058 50 
20,600 00 


8,737 

9,475 

14,808 


50 
00 
00 


250 
205 
650 


12,500 00 
10,250 00 
15,600 00 


14,000 

9,168 

500 

25,000 


00 

75 
00 
00 


143 
160 
125 
100 


14,300 00 

8,000 00 

625 00 

25,000 00 


51,562 
51,062 


50 
50 


91 
94 


45,500 00 
47,000 00 


10,387 
10,912 
9,512 
10,375 
20,775 


50 
50 
50 
00 
00 


100 
103 
86 
100 
106 


10,000 00 
10,300 00 
8,600 00 
10,000 00 
21,200 00 


27,788 

20,343 

25,593 

9,750 


75 
75 

75 
00 


107 
102 
103 
100 


26,750 00 
20,400 00 
25,750 00 
10,000 00 


$429,840 


50 


$426,133 50 



ENTERPRISE MUTUAL FIRE INSURANCE COMPANY, 
PROVIDENCE, R. I. 

Incorporated June 2, 1874. Commenced business July 14, 1874. 
JOHN R. FREEMAN, President. THEODORE P. BOGERT, Secretary 

Home Office, 10 Weybosset Street. 

Income. 
Net premiums, ......... 

Gross interest on stocks and bonds, $19,045.93; bank deposits, 

$1,076.17; all other, $2.72, 

Sale of rights, 



$459,230 32 

20,124 82 
119 87 



Total income, ...... 

Ledger assets, Dec. 31, 1908, 

Total, 

Disbursements . 

Net amount paid policy holders for losses, 
Dividends to policy holders, . . . . . 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Fire department, patrol and salvage corps fees and taxes, 
Inspections and surveys, ..... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 



$479,475 01 
460,623 90 

$940,098 91 



$7,778 09 

389,823 53 

5,177 68 

490 50 

43 33 

8,551 29 

8,278 64 

33 00 



224 



ENTERPRISE MUTUAL FIRE INSURANCE CO. 



Gross decrease in book value of stocks, 
All other disbursements, 

Total disbursements, 



Balance, 



Ledger Assets. 



Book value of stocks and bonds (schedule A), . 
Deposits in trust companies and banks on interest, 
Premiums in course of collection, . 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest due and accrued on bonds, 
Market value of stocks and bonds over book value, 

Gross assets, ...... 

Liabilities. 
Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State taxes accrued, ..... 

Total, 

Surplus to policy holders, .... 

Total liabilities and surplus, 



$10,550 00 
1,121 66 

$431,847 72 

$508,251 19 



$454,327 61 
43,639 32 
10,284 26 

$508,251 19 



600 50 
38,900 89 

$547,752 58 



$841 71 

227,335 18 

118 66 

8,128 42 

$236,423 97 
311,328 61 

$547,752 58 



In force Dec. 31, 1908, 
Written during the year 

Total, . 
Expired and terminated 

In force at end of year, 



Risks and Premiums. 

Risks. Cash Prem's. Conting't Prem's.. 

. $51,692,615 00 $409,596 40 $2,047,982 00 

61,545,971 00 475,389 67 2,376,948 35 



$113,238,586 00 
54,853,195 00 



$884,986 07 $4,424,930 35 
430,315 71 2,151,578 55 



$58,385,391 00 $454,670 36 $2,273,351 80 



Miscellaneous. 

Net premiums received from organization of company, . . $5,934,545 46 

Net losses paid from organization of company, . . . 1,125,442 46 

Cash dividends paid policy holders from organization of company, 4,353,909 30 

Losses incurred during the year, ...... 6,931 90 

Dividends to policy holders during 1909, 94. 13 per cent. 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
100 shares Atch., Topeka & Santa F6, pref., 



220 
53 
161 
125 
100 
100 
100 
200 
115 



Chicago, Great Western, pref., 
Chicago, Milwaukee & St. Paul, 
Chicago, Milwaukee & St. Paul, pref, 
Chicago & Northwestern, . 
Chicago, St. Paul, Minn. & Omaha, 
Cleveland, Cin., Chic. & St. L., pref., 
Cleveland & Pittsburg, 
Great Northern, preferred, 
Illinois Central, 



Book Value. 


Rate. 


§10,000 00 


105 


17,600 00 


64 


5,200 00 


158 


23,000 00 


172 


20,000 00 


185 


13,000 00 


155 


11,000 00 


107 


9,000 00 


176 


25,000 00 


144 


16,000 00 


148 



Market Value. 

$10,500 00 

14,080 00 

8,374 00 

27,692 00 

23,125 00 

15,500 00 

10,700 00 

8,800 00 

28,800 00 

17,020 00 



EQUITABLE FIRE AND MARINE INSURANCE CO. 



225 



40 shares Illinois Central leased lines, 

200 " Manhattan, .... 

32 " Minn., St. Paul & S. S. Marie, . 

216 " Minn., St. Paul & S. S. Marie, pref., 

130 " Morris & Essex, 

100 " New York, New Haven & Hartford, 

50 " New York, N. H. & H. (25% paid), 

160 " Northern Pacific, 

127 " Old Colony, .... 

625 " Pennsylvania, .. 

100 " Pitts., Bess. & Lake Erie, pref., 

100 " Southern Pacific (formerly pref.), 

100 " Southern, preferred, 

200 " Union Pacific, preferred, . 

115 " West End Street, 

Miscellaneous Stocks. 
200 shares American Telephone & Tel. Co., 

Municipal Bonds. 
Boston, Mass., 4s, 1910, .... 
Boston, Mass., 3|s, 1930, ..... 
Providence, R. I., 4s, 1925, 

Railroad Bonds. 
N. Y., N. H. & Hartford 3^s, 1956, . 
N. Y., N. H. & Hartford 6s, 1948, . 
Southern Pacific conv. 4s, 1929, 



Book Value. 


Rate. 


Market Value. 


$4,000 


00 


98 


$3,920 00 


27,000 


00 


141 


28,200 00 


3,200 


00 


142 


4,544 00 


30,600 


00 


157 


33,912 00 


11,000 


00 


185 


12,025 00 


16,250 


00 


158 


15,800 00 


1,736 


26 


148 


2,712 50 


24,000 


00 


146 


23,360 00 


23,000 


00 


198 


25,146 00 


31,250 


00 


137 


42,812 50 


7,000 


00 


142 


7,100 00 


11,800 


00 


137 


13,700 00 


10,000 


00 


75 


7,500 00 


19,625 


00 


104 


20,800 00 


10,000 


00 


189 


10,867 50 


28,000 


00 


143 


28,600 00 


10,000 


00 


100 


10,000 00 


10,000 


00 


96 


9,600 00 


15,000 


00 


101 


15,150 00 


4,000 


00 


102 


4,080 00 


4,200 


00 


134 


5,628 00 


2,866 


35 


106 


3,180 00 


$454,327 


61 


$493,228 50 



EQUITABLE FIRE AND MARINE INSURANCE COMPANY, 

PROVIDENCE, R. I. 

Incorporated May, 1859. Commenced business September, 1860. 

Paid-up Capital, $400,000. 

FRED W. ARNOLD, President. SAMUEL G. HOWE, Secretary 

Home Office, 1 Custom House Street. 

Income. 

Net fire premiums, $916,806.20; marine, $23,411.77, 

Gross interest on mortgages, $6,671.87; collaterals, $988.60; 
stocks and bonds, $36,404.97; bank deposits, $539.21; all 
other, $3.10; gross rents, including $6,000 for company's own 
occupancy, $10,026.65, ....... 

Gross increase in book value of bonds, ..... 

Sale of rights, ......... 



$940,217 97 



54,634 40 
237 50 

2,272 50 



Total income, ........ 

Ledger assets, Dec. 31, 1908, ....... 

Total, 

Disbursements. 

Net amount paid policy holders for fire losses, $497,997.36; ma- 
rine, $24,952.41, 

Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ..... 
Commissions or brokerage, ..... 
Salaries and expenses of special and general agents, . 
Salaries, fees, etc., of officers and employees, . 
Rents, including $6,000 for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 



$997,362 37 
1,207,818 85 

$2,205,181 22 



$522,949 77 

9,158 95 

20,000 00 

206,619 38 

39,020 23 

51,035 98 

7,935 44 

16,080 45 

8,289 94 



226 



EQUITABLE FIRE AND MARINE INSURANCE CO. 



Legal expenses, ....... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross decrease in book value of stocks, 

Agents' balances charged off, 

Interest allowed on marine premiums, 

All other disbursements, 

Total disbursements, 

Balance, .... 

Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Bills receivable, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $374.36; bonds, $5,575.84; collateral loans, $24.36, . 
Bents accrued on company's property, ..... 
Market value of stocks and bonds over book value, . 

Gross assets,* ........ 

Assets not admitted. 
Agents' balances over three months due, .... 

Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $8,224.10 resisted, $80,520.70; less rein- 
surance, $7,526.83, ...... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Interest on mortgages paid in advance, 

Total, .... 

Cash capital, $400,000 00 

Surplus over all liabilities, .... 115,956 97 

Surplus to policy holders, 

Total liabilities and surplus, 



$414 85 

2,901 12 

7,922 64 

6,398 71 

3,811 19 

3,239 27 

1,967 13 

15,550 90 

4,634 83 

1,756 97 

3,378 13 

704 13 

264 48 

364 63 



$934,399 12 

$1,270,782 10 

$110,000 00 

135,750 00 

16,000 00 

775,375 00 

117 14 

63,406 70 

168,119 76 

2,013 50 

$1,270,782 10 



5,974 56 

487 50 

94,204 50 

$1,371,448 66 



2, 056 60 
$1,369,392 06 



$72,993 87 

759,465 03 

451 78 

15,000 00 

5,000 00 

524 41 

$853,435 09 



515,956 97 
$1,369,392 06 



Including $70,000 special reserve held under Rhode Island law. 



EQUITABLE FIRE AND MARINE INSURANCE CO. 



227 



Fire risks in force Dec. 31, 1908, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Marine risks in force Dec. 31, 1908, 
Marine risks written during the year, 



Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Risks and Premiums. 

Risks. Premiums. 

$125,020,855 00 $1,460,610 49 
94,200,133 00 1,192,973 64 



Net amount in force, 



$219,220,988 00 $2,653,584 13 

83,766,199 00 1,077,192 27 

$135,454,789 00 $1,576,391 86 

10,841,726 00 125,730 30 



$124,613,063 00 $1,450,661 56 



$405,671 00 
744,934 00 

$1,150,605 00 
816,767 00 

$333,838 00 
14,500 00 



$24,973 28 
26,593 19 

$51,566 47 
30,094 43 

$21,472 04 
946 25 



$319,338 00 $20,525 79 



Miscellaneous. 



Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, . 

Dividends declared during the year (5 per cent.), 

Par value of company's stock owned by directors, 



$14,340,340 48 

8,651,178 73 

855,500 00 

511,900 65 

23,077 21 

20,000 00 

68,800 00 



Schedule A. Securities held as Collateral. 

Company's 
Market Value. 

. $2,300 00 
. 23,500 00 



20 shares American Locomotive Co., preferred, 
100 " Nicholson File Co., Providence, R. I., 



$25,800 00 



Loaned 
Thereon. 

$1,000 00 
15,000 00 

$16,000 00 



Schedule B. Stocks and Bonds owned by the Company. 



110 shares 


368 


it 


360 


a 


100 


u 


500 


Si 


100 


i( 


400 shares 


30 


a 


300 


(( 


3 shares 


350 


u 


53 


a 


650 


ti 


260 


a 


200 


a 


1 


a 



Railroad Stocks. 
Chicago Great Western, preferred, 
Illinois Central, 

New York Central & Hudson River, 
N. Y., N. H. & Hartford (25% paid), 
Pennsylvania, .... 
United Traction & Electric Co., . 

Bank Stocks. 
Blackstone Canal Nat., Providence, 
Industrial Trust Co., Providence, 
Nat. Bk. of Commerce, Providence, 

Miscellaneous Stocks. 
Gen. Adjust. Bureau, New York, 
Narragansett Elec. Ltg. Co., Prov., 
New England Inves. Sec. Co., 
Providence Gas" Co., 
Providence Gas Co. (30% paid), 
Providence Telephone Co., 
Southern Adjustment Bureau, . 



Book Value. 

$11,000 00 
36,800 00 
36,000 00 
3,125 00 
25,000 00 
10,000 00 

10^000 00 

7,500 00 

15,000 00 

300 00 

17,500 00 

5,300 00 

32,500 00 

3,900 00 

10,000 00 

50 00 



Rate. 
64 
148 
127 
148 
137 
102 

128 
256 
166 

100 
186 
91 
188 
118 
194 
100 



Market Value. 
$7,040 00 
54,464 00 
45,720 00 
5,425 00 
34,250 00 
10,200 00 

12,800 00 

7,680 00 

24,900 00 

300 00 
32,550 00 

4,823 00 
61,100 00 

6,240 00 

19,400 00 

50 00 



228 



THE FARMERS FIRE INSURANCE CO. 



5 shares Underwriters' Sal. Co., New York, 
10 " Underwriters' Sal. Co., Chicago, 
1 " Western Adjust. & Ins. Co., Chicago, 

Government Bonds. 
Imperial Japanese 1st series 4^s, 1925, 
State and Municipal Bonds. 
Boston, Mass., 4s, 1915, 
Massachusetts 3s, 1941, 
New York, N. Y., 4s, 1958, 
Pawtucket, R. I., 4s, 1913, 
Providence, R. I., 3£s, 1928, 

Railroad Bonds. 
Baltimore & Ohio (Southw. Div.) 3$s, 1925, 
Bridgeport Traction 5s, 1923, 
Central of New Jersey (Equipment) 4s, 1913, 
Chicago Rys. Co. 4s, 1927, 
Chicago, Burl. & Quincy 3£s, 1949, 
Cleve., Cin., Chicago <fe St. L. notes, 5s, 1911, 
Columbus, O., Street 5s, 1932, . 
Detroit United notes, 5s, 1910, . 
Detroit Electric 5s, 1916, .... 
East St. Louis Suburban 5s, 1932, 
Georgia Ry. & Electric 5s, 1932, 
Lehigh Valley Terminal 5s, 1941, 
Michigan Central 5s, 1910, 
Milwaukee Electric Ry. & Light 5s, 1926, . 
Missouri Pacific Equipment 5s, 1913, 
New York Cent. & Hudson River 3^s, 1998, 
New York, New Haven & Hartford 3£s, 1956, 
New York, New Haven & Hartford 6s, 1948, 
Nor. Pac. & Gt. Nor. (C, B. & Q.) 4s, 1921, 
Pennsylvania notes, 5s, 1910, . 
Rhode Island & Suburban 4s, 1950, . 
United Tr. & El. Co. (Prov. & Paw.) 5s, 1933, 
Utica & Mohawk Valley Street 4£s, 1941, . 

Miscellaneous Bonds. 
Cincinnati Edison Electric Co. 5s, 1917, 
Detroit Edison Co. 5s, 1933, 
Grand Rapids Gas Light Co. 5s, 1915, 
New York Telephone Co. 4£s, 1939, . 
Pawtucket Electric Co. 5s, 1916, 
Union Steel Co. 5s, 1952, .... 
United Elcc. Lt. & Power Co. of Bait. 4£s, 1929, 
Utica Electric Light & Power Co. 5s, 1950, 



Book Value. 

$500 00 

1,000 00 

150 00 

9,750 00 

25,000 00 
75,000 00 
25,000 00 
25,000 00 
25,000 00 

20,000 00 

5,000 00 

10,000 00 

5,000 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 

5,000 00 

10,000 00 

5,000 00 

10,000 00 

10,000 00 

20,000 00 

10,000 00 

20,000 00 

15,000 00 

30,000 00 

50,000 00 

20,000 00 

15,000 00 

10,000 00 

5,000 00 

5,000 00 
10,000 00 

5,000 00 
10,000 00 
10,000 00 

5,000 00 
10,000 00 

5,000 00 

$775,375 00 



Rate. 

125 

75 

100 

95 

101 

87 

100 

100 

95 

90 
106 

99 

86 

90 
101 
104 
100 

96 
100 
101 
115 
100 
107 
100 

80 
102 
134 

97 
100 

88 
106 

98 

103 

101 

101 

98 

96 

105 

93 

103 



Market Value. 

$625 00 

750 00 

100 00 

9,262 50 

25,250 00 
65,250 00 
25,000 00 
25,000 00 
23,750 00 

18,000 00 

5,300 00 

9,900 00 

4,300 00 

9,000 00 

10,100 00 

5,200 00 

5,000 00 

4,800 00 

10,000 00 

5,050 00 

11,500 00 

10,000 00 

21,400 00 

10,000 00 

16,000 00 

15,300 00 

40,200 00 

48,500 00 

20,000 00 

13,200 00 

10,600 00 

4,900 00 

5,150 00 
10,100 00 
5,050 00 
9,800 00 
9,600 00 
5,250 00 
9,300 00 
5,150 00 

$869,579 50 



THE FARMERS' FIRE INSURANCE COMPANY, YORK, PA. 

Incorporated April 6, 1853. Commenced business May 16, 1853. 
WM. H. MILLER, President. E. K. McCONKEY, Secretary. 

Home Office, 53 East Market Street. 

Income. 
Net fire premiums, ........ $525,056 98 

Gross interest on mortgages, $11,493.41; collaterals, $8,050.22; 
stocks and bonds, $19,399.90; bank deposits, $2,395.32; dis- 
count on losses, $1,091.75; gross rents, including $1,800 for 
company's own occupancy, $2,194, . . . . . 44,624 60 



Total income, 
Ledger assets, Dec. 31, 1908, 

Total, . 



. $569,681 58 
960,396 88 

. $1,530,078 46 



THE FARMERS FIRE INSURANCE CO. 



229 



Disbursements. 
Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, 
Agency expenses, .... 
Salaries and expenses Of special and general agents, 
Salaries, fees, etc., of officers and emplo}^ees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ..... 
Maps, including corrections, . 
Underwriters' boards and tariff associations, 
Fire department, patrol and salvage corps fees and taxes, 
Inspections and surveys, 
Repairs and expenses on real estate, 
Taxes on real estate, 
State taxes on premiums, 
Insurance department licenses and fees, 
Other licenses, fees and taxes, 
Agents' balances charged off, . 
All other disbursements, 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 

Book value of real estate, 

Mortgage loans on real estate, 

Loans secured by collateral (schedule A), 

Book value of stocks and bonds (schedule B), 

Cash in office, ..... 

Deposits in trust companies and banks not on interest, 

Deposits in trust companies and banks on interest, . 

Agents' balances, . . . . . 

Total ledger assets, ..... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $5,710.27; bonds, $2,036.65; collateral loans, 
& $1,503.66, • • • ' • 

Market value of stocks and bonds over book value, . 



Gross assets, ...... 

Assets not admitted. 

Agents' balances over three months due, 

Loan in excess of collateral, .... 

Admitted assets, ..... 





. $319,460 25 




3,755 


05 




126,939 


66 




4,324 


84 




21,486 


61 




31,265 


50 




1,800 


00 




4,071 


67 




1,542 


90 




1,503 


26 




752 


80 




7,539 


18 




5,418 


83 




7,162 


20 




123 


28 




550 60 




5,625 


65 




1,922 


00 




2,139 


14 




3,321 


20 




1,358 


45 


• 


$552,063 07 


• 


$978,015 39 


$41,000 00 




220,781 


34 




101,500 00 




420,010 77 




6,725 


07 




106,746 


10 




17,000 00 




64,252 


11 


$978,015 39 



• 


19 
00 


9,250 58 
70,796 23 


$5,915 
165 


$1,058,062 20 
6,080 19 




. 


$1,051,982 01 



230 



THE FARMERS' FIRE INSURANCE CO. 



Liabilities. 

Unpaid losses, including $4,725 resisted, $53,726.50; less rein- 
surance, $1,376.98, ........ 

Unearned premiums on outstanding risks, .... 

Reclaimable on perpetual fire policies, ..... 

Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 

Total, 

Surplus to policy holders, ....... 

Total liabilities and surplus, ..... 

Risks and Premiums. 

Risks. Premiums. 

Fire risks in force Dec. 31, 1908, . . . $91,628,470 00 $1,078,402 10 



$52,349 52 
502,151 59 

3,274 69 
234 31 

4,000 00 

$562,010 11 
489,971 90 

$1,051,982 01 



Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Perpetual risks in force (not included above), 



53,094,627 00 620,701 33 



$144,723,097 00 $1,699,103 43 
55,779,030 00 683,854 42 



$88,944,067 00 $1,015,249 01 
1,765,378 00 19,040 23 



$87,178,689 00 $996,208 78 



$114,825 00 $3,447 04 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Fire losses incurred during the year, 



$14,278,869 98 

. 9,284,122 14 

316,768 17 



Schedule A. Securities held as Collateral. 

Company's 
Market Value. 

S3, 135 00 

1,500 00 

810 00 

2,295 00 

19,000 00 
1,960 00 
900 00 
3,300 00 
6,000 00 
7,200 00 

14,250 00 
8,000 00 
1,500 00 
833 00 
460 00 J 
7,590 00 ) 
2,000 00 ! 

10,000 00 j 

15,000 00 

19,000 00 
2,500 00 
5,000 00 
3,135 00 



33 shares York Gas Co., .... 

20 " Keystone Farm & Machine Co., York, Pa., 

9 " City Bank, York, Pa., . 
15 " Western National Bank, 
200 " York Gas Co., .... 

40 " York National Bank, 
Deer Creek Water & Water Power Co. 5s, 1937, . 
20 shares First National Bank, Wrightsville, Pa., 
400 " York Ry. Co., preferred, 
1,200 " York Rv. Co., common, 

York Ry. Co. 5s, 1937, 

200 shares York Water Co., . 
50 " Guardian Trust Co., 
17 " York National Bank, 

4 " First Nat. Bank, York, Pa., . 
66 " First Nat. Bank, York, Pa., . 
Billmeyer & Small Co. 6s, 1909, 
Middletown & Swatara Water Co. 5s, 1922, 
Middletown & Swatara Water Co. 5s, 1922, 
200 shares York Gas Co., 
50 "■ Netherlands Tramway Corp., common, 
50 " Netherlands Tramway Corp., preferred, 
33 " York Trust Co., . . 



Loaned 
Thereon. 

83,300 00 

800 00 

500 00 

1,800 00 

15,500 00 

600 00 
2,000 00 

20,000 00 

2,500 00 

2,000 00 

18,000 00 

15,000 00 
12,000 00 

6,000 00 
1,500 00 



8135,368 00 $101,500 00 



FEDERAL INSURANCE CO. 



231 



Schedule B. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
500 shares Pennsylvania, 

Bank Stocks. 
12 shares Farmers' Nat., York, Pa., 
125 " First National, York, Pa., 
900 " Guardian Trust Co., York, Pa., 
50 " York County Nat., York, Pa., 
1,042 " York National, York, Pa., 

Miscellaneous Stocks. 
100 shares Carlisle Ave., Mar. & Stor. Co., 



50 

802 

3,000 



Gen. Roofing Mfg. Co., E. St. L., Ill 

York Gas Co., 

York Water Co., . 
Government Bonds. 
United States 4s, 1925, .... 

Railroad Bonds. 
Lehigh Valley Coal Co. 5s, 1933, 
Lehigh Vallev 4s, 2003, .... 
Philadelphia & Erie 5s, 1920, . 
Potomac Valley 5s, 1941, 

Read. Co. & Phila. & Read. C. & I. Co. 4s, 1997, 
Shamokin, Sunbury & Lewisburg 5s, 1912, 

Miscellaneous Bonds. 
Billmeyer & Small Co., York, Pa., 6s, 1909, 
Central Market House Co., York, Pa., 4s, 1939, 
United States Steel Corp. 5s, 1963, 
York Felt & Paper Co. 1st mort. 6s, 1919, . 
York Hotel Co. 1st mortgage 5s, 1926, 
York Gas Co., York, Pa., 5s, demand note, 
York Water Co., York Pa., 5s, demand note, 



Book Value. 


Rate. 


Market Value. 


$28,095 


68 


137 


$34,250 00 


1,615 


00 


182 


2,184 00 


23,728 


35 


165 


20,625 00 


24,503 


64 


120 


27,000 00 


2,130 


00 


250 


2,500 00 


49,267 


05 


196 


51,058 00 


1,000 


00 


80 


800 00 


5,000 


00 


100 


5,000 00 


60,602 


50 


190 


76,190 00 


75,000 


00 


160 


120,000 00 


12,275 


00 


115 


11,500 00 


10,300 


00 


109 


10,900 00 


20,021 


90 


97 


19,400 00 


15,907 


90 


109 


16,350 00 


9,250 


00 


110 


11,000 00 


4,631 


25 


100 


5,000 00 


9,750 


00 


100 


10,000 00 


3,000 


00 


100 


3,000 00 


10,000 


00 


100 


10,000 00 


932 


50 


105 


1,050 00 


5,000 


00 


100 


5,000 00 


10,000 


00 


100 


10,000 00 


10,000 


00 


100 


10,000 00 


28,000 


00 


100 


28,000 00 


$420,010 


77 


$490,807 00 



FEDERAL INSURANCE COMPANY, JERSEY CITY, N. J. 

Incorporated Feb. 1, 1901. Commenced business March, 1901. 

Paid-up Capital, $1,000,000. 
PERCY CHUBB, President. MAX GRUNDNER, Secretary. 

Home Office, 15 Exchange Place. 

Income. 
Net marine premiums, $944,393.90; less return premiums on 



fire reinsurance, $40.70, 
Gross interest on mortgages, $1,500; stocks and bonds, 

$74,408.49; bank deposits, $8,405.02; all other, $75.99, 
Gross profit on sale or maturity of bonds, 
Gross increase in book value of bonds, .... 

Sale of rights, ........ 

Agents ' balances previously charged off, .... 

From all other sources, ....... 

Total income, . . . . 

Ledger assets, Dec. 31, 1908, ...... 

Total, 



$944,353 20 

84,389 50 

500 00 

3,970 17 

1,250 00 

89 29 

30 00 

$1,034,582 16 
2,463,489 86 

$3,498,072 02 



Disbursements. 
Net amount paid policy holders for fire losses, $5,162.58; marine, 

$367,092.60, $372,255 18 

Expenses of adjustment and settlement of losses, . . . 2,825 00 



232 



FEDERAL INSURANCE CO. 



Dividends to stockholders, . . 

Commissions or brokerage, .... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Underwriters' boards and tariff associations, 
Inspections and surveys, .... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 
Other licenses, fees and taxes, 
Gross loss on redemption of scrip, . 
Gross decrease in book value of bonds, 
Agents' balances charged off, .... 

All other disbursements, .... 

Total disbursements, .... 



Balance, 



Ledger Assets. 



Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Bills receivable, ....... 

Due from other companies, ..... 

Total ledger assets, ..... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $125; bonds, $20,837.07, 



Gross assets, ...... 

Assets not admitted. 

Agents' balances over three months due, 

Bills receivable, past due, taken for premiums, 

Book value of stocks and bonds over market value, 

Due from unauthorized companies, 

Accrued interest in default, .... 

Admitted assets, ..... 



$80,000 00 

320,492 18 

3,188 25 

5,841 91 

2,785 33 

4,277 16 

678 45 

310 06 

3,085 89 

20,767 56 

2,415 24 

725 46 

10 61 

38,828 82 

380 35 

3,374 94 

$862,242 39 

$2,635,829 63 



$30,000 00 

1,659,130 74 

31,668 66 

464,881 43 

338,244 46 

1,550 00 

110,354 34 

$2,635,829 63 



20,962 07 
$2,656,791 70 



$86,345 96 

50 00 

53,290 74 

101,404 82 

1,640 00 



Liabilities. 

Unpaid losses, $372,011.20; less reinsurance, $43,000, 
Unearned premiums on outstanding risks, 
Dividends due stockholders, ..... 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for reinsurance, ...... 



242,731 52 
$2,414,060 18 



$329,011 20 
629,083 34 
40,000 00 
2,893 82 
36,496 15 
24,000 00 
39,760 35 



Total, 



$1,101,244 86 



FEDERAL INSURANCE CO. 



233 



Cash capital, ..... 

Surplus over all liabilities, 

Surplus to policy holders, . . . . - 

Total liabilities and surplus, 

Risks and Premiums. 



$1,000,000 00 
312,815 32 



$1,312,815 32 
$2,414,060 18 



Marine risks in force Dec. 31, 1908, 
Marine risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. Premiums. 

$70,545,675 00 $984,730 29 
1,219,261,219 00 3,015,081 51 



$1,289,806,894 00 $3,999,811 80 
1,192,984,044 00 2,508,482 88 



$96,822,850 00 $1,491,328 92 
16,782,271 00 286,182 62 



$80,040,579 00 $1,205,146 30 



Miscellaneous. 

Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Marine and inland losses incurred during the year, . 
Dividends declared during the year (12 per cent.), 
Par value of company's stock owned by directors, 



$8,189,991 12 
4,649,677 88 
490,000 00 
396,066 56 
120,000 00 
536,200 00 



Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. Book Value. Rate. Market Value. 

100 shares Consolidated Traction, N. J., . . $6,812 50 78 $7,800 00 

Miscellaneous Stocks. 

500 shares American Tel. & Tel. Co., . . 64,514 25 143 71,500 00 

4 " Pacific Coast Salvage Association, . 500 00 100 1,000 00 

10 " Underwriters' Salvage Co., N. Y., . 1,000 00 125 1,250 00 

State, County and Mtinicipal Bonds. 

East Orange, N. J., 4s, 1933, ..... 15,69932 100 15,00000 

Elizabeth, N. J., 4s, 1922, .... 50,219 00 100 50,000 00 

Englewood, N. J., School 4s, 1935, . . . 26,047 20 100 25,000 00 

Essex County, N. J., 4s, 1924, .... 26,067 41 101 25,250 00 

Georgia 3£s, 1927, 9,906 16 99 9,900 00 

Hudson County, N. J., 4s, 1924, . . . 51,388 52 100 50,000 00 

Jersey City, N. J., 5s, 1916, .... 58,560 25 106 58,300 00 

Jersev City, N. J., 5s, 1922, .... 13,092 96 111 13,320 00 

Jersey City, N. J., 5s, 1923, .... 12,055 34 112 12,320 00 

New York, N. Y., 3£s, 1948, .... 214,332 30 90 180,000 00 

New York, N. Y., 4s, 1956, .... 50,294 11 100 50,000 00 

Passaic County, N. J., 4s, 1922, . . . 25,804 00 102 25,500 00 

Railroad Bonds. 

Baltimore & Ohio prior lien 3^s, 1925, . . 23,679 40 . 93 23,250 00 

Bergen County 1st mort. 6s, 1911, . . . 6,142 88 102 6,120 00 

Canada Southern 1st mort. ext., 6s, 1913, . . 20,223 20 104 20,800 00 

Central of New Jersey 5s, 1987, . . . 12,712 50 125 12,500 00 

Chicago & Alton 3s, 1949, .... 21,789 79 75 18,750 00 

Chicago & Alton 1st lien 3-Js, 1950, . . . 8,206 66 75 7,500 00 

Chicago, Indianapolis & St. Louis 4s, 1953, . 9,977 94 94 9,400 00 

Choctaw & Memphis 1st mort. 5s, 1949, . . 11,333 02 110 11,000 00 

Consolidated Traction of N. J. 5s, 1933, . . 26,728 15 106 26,500 00 

East Tenn., Va. & Ga. cons. mort. 5s, 1956, . 11,525 20 113 11,300 00 

Easton & Ambov 5s, 1920, . . . . 32,752 80 109 32,700 00 

Elgin, Joliet & Eastern 1st mort. 5s, 1941, . 11,242 68 113 11,300 00 

Elizabeth. Plainfield & Cent. Jersey 5s, 1950, . 25,205 81 96 24,000 00 

Flint & Pere Marquette 1st mort. 6s, 1920, . 11,402 23 111 11,100 00 

Illinois Central 1st mort. 3£s, 1951, . . . 14,674 54 92 13,800 00 

Kansas City Southern 1st mort. 3s, 1950, . . 7,503 70 73 7,300 00 

Kentucky Central 1st mort. 4s, 1987, . . 10,000 00 97 9,700 00 



234 



FIDELITY FIRE INSURANCE CO. OF NEW YORK. 



Lake Shore & Mich. South. 1st mort. 3^s, 1997, 

Lehigh Valley Terminal 1st mort. 5s, 1941, 

Long Dock Co. 6s, 1935, .... 

Manhattan cons. mort. 4s, 1990, 

Midland of N. J. 6s, 1910, 

Mobile & Ohio 1st mort. 6s, 1927, 

Newark Passenger 1st cons. mort. 5s, 1930, 

New York Cent. & H. R. refunding 3£s, 1997, 

New York, Chicago & St. Louis 1st mort. 4s, 1937 

New York, Lake Erie & Western 6s, 1913, 

New York, Phila. & Norfolk 1st mort. 4s, 1939, 

New York, Sus. & Western 1st mort. 5s, 1937, 

Northern Pacific 3s, 2047, 

North Jersey Street 4s, 1948, 

Om. & C. B. Ry. & B. Co. 1st con. mort, 5s, 1928 

Paterson Extension 1st mort. 6s, 1910, 

Pennsylvania convertible 3£s, 1912, . 

Peoria & Eastern 1st mort. 4s, 1940, . 

Port Reading 1st mort. 5s, 1941, 

Third Avenue 1st mort. 4s, 2000, 

Toledo & Ohio Central 1st mort. 5s, 1935, 

Miscellaneous Bonds. 
American Dock and Improvement Co. 5s, 1921, 
Corn Products Refining Co. 5s, 1931, 
Edison Electric Illuminating Co. 5s, 1910, . 
Edison Electric Illuminating Co. 5s, 1995, . 
Gas & Electric Co., Bergin Co., N. J., 5s, 1949, 
Kings Co. Elec. Light & Power Co. 6s, 1997, 
New Jersey Zinc Co. 4s, 1926, . 
Newark Consolidated Gas Co. 5s, 1948, 
New York Gas & Elec. Lt., Ht. & Pow. Co. 4s, 1949, 
New York A N. J. Tel. Co. 5s, 1920, . 
North American Co. notes, 5s, 1912, . 
Pacific Coast Co. 5s, 1946, 

St. Joseph Rv. Light, Heat A Power Co. 5s, 1937 
Sloss Iron A Steel Co. 4£s, 191S, 
Syracuse Lighting Co. 5s, 1951, 
Trenton Gas & Electric Co. 5s, 1949, 
Washington Water Power Co. 5s, 1920. 
Western Union Telegraph Co. 5s, 1938, 
Western Union Telegraph Co. 4£s, 1950, 



Book Value. 
$23,165 12 
17,356 46 
25,430 94 
25,000 00 
25,000 00 
11,929 63 
28,246 38 
14,270 25 
21,090 02 
26,342 51 
10,000 00 
56,514 02 
30,052 43 
8,493 89 
9,801 82 
31,21S 47 
24,573 34 
19,732 88 
12,427 56 
14,495 60 
11,187 79 

21,623 80 

10,000 00 

15,000 00 

11,835 69 

25,000 00 

24,405 06 

9,520 45 

26,224 72 

9,633 40 

28,088 58 

10,084 M 

21,705 04 

9,601 98 

4,833 27 

9,661 22 

52,452 22 

10,459 62 

10,949 20 

10,328 72 

$1,659,130 74 



Rate. 

92 
115 
126 

98 
101 
121 
109 

91 
100 
104 

99 
106 

74 

80 

99 
101 
101 

93 
110 

69 
110 

109 

98 
100 
110 
102 
114 

93 
107 

84 
102 
100 
109 
101 

97 
100 
105 
102 
100 

97 



Market Value. 
823,000 00 
17,250 00 
25,200 00 
24,500 00 
25,250 00 
12,100 00 
27,250 00 
13,650 00 
20,000 00 
26,000 00 
9,900 00 
53,000 00 
29,600 00 
8,000 00 
9,900 00 
31,310 00 
25,250 00 
18,600 00 
12,100 00 
13,800 00 
11,000 00 

21,800 00 

9,800 00 
15,000 00 
11,000 00 
25,500 00 
22,800 00 

9,300 00 
20,750 00 

8,400 00 
26,520 00 
10,000 00 
21,800 00 
10,100 00 

4,850 00 
10,000 00 
52,500 00 
10,200 00 
10,000 00 

9,700 00 

$1,605,840 00 



J. E. LOPEZ. \ Secretaries . 



* FIDELITY FIRE INSURANCE COMPANY OF NEW YORK, 

NEW YORK, N. Y. 

Incorporated June, 1906. Commenced busi